Eclipse Bank, Inc.
Louisville, KY · Cert 58049 · Peer group: banks under $1B in assets (n=581-629) · Eclipse Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$485.7MAssets
$415.5MLoans
$341.3MDeposits
$43.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 595 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.59%
Rank 480 of 629
Net Interest Margin
2.56%
Rank 559 of 629
Efficiency Ratio
75.41%
Rank 426 of 629
Equity / Assets
8.99%
Rank 482 of 629
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 32% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.60% | 1.01% | 1.45% | Beats 24% | 480 / 629 | | |
| Return on Equity | 6.51% | 5.38% | 9.30% | 13.28% | Beats 30% | 439 / 629 | | |
| Net Interest Margin | 2.56% | 3.03% | 3.54% | 4.05% | Beats 11% | 559 / 629 | | |
| Efficiency Ratio | 75.41% | 58.35% | 67.79% | 79.08% | Beats 32% | 426 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.09% | 0.46% | 1.20% | Beats 57% | 251 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.47% | 11.24% | 13.84% | 18.77% | Beats 6% | 594 / 629 | | |
| Total Risk-Based Capital Ratio | 9.47% | 11.58% | 14.43% | 19.66% | Beats 5% | 595 / 629 | | |
| Equity / Assets | 8.99% | 9.09% | 10.65% | 13.80% | Beats 23% | 482 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 121.76% | 67.24% | 80.90% | 93.48% | 98th pctl | 11 / 594 | | |
| Loans / Assets | 85.55% | 53.31% | 67.71% | 78.15% | 94th pctl | 40 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |