Louisville, KY · Cert 58049 · Eclipse Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.6% share · #21 of 43 inst. · $0.3B of $48.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.21% | 0.26% | 0.50% | 0.58% | +46 bps | |
| Return on Equity | 1.43% | 2.46% | 3.06% | 5.67% | 6.61% | +518 bps | |
| Net Interest Margin | 2.16% | 2.21% | 2.31% | 2.53% | 2.56% | +40 bps | |
| Efficiency Ratio | 93.93% | 89.77% | 87.93% | 78.67% | 75.41% | -1,852 bps | |
| Non-Interest Burden | 2.01% | 1.96% | 2.01% | 1.93% | 1.85% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.87% | -0.71% | 0.11% | 3.33% | -0.53% | +135 bps | |
| Loan Growth (YoY) | 0.45% | 0.02% | 1.17% | 3.28% | -2.56% | -301 bps | |
| Deposit Growth (YoY) | -6.93% | -0.78% | -0.50% | 0.44% | -1.81% | +512 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.23% | 0.22% | 0.91% | 0.31% | 0 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.32% | 0.25% | 0.00% | -0.01% | -48 bps | |
| Allowance / Loans | 0.87% | 0.89% | 0.89% | 0.87% | 0.89% | +2 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.9x | 4.1x | 1.0x | 2.9x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.27% | 9.17% | 9.43% | 9.42% | 9.47% | +20 bps | |
| Total Risk-Based Capital | 9.27% | 9.17% | 9.43% | 9.42% | 9.47% | +20 bps | |
| Equity / Assets | 8.40% | 8.57% | 8.80% | 8.69% | 8.99% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 122.69% | 117.68% | 120.26% | 121.69% | 121.76% | -93 bps | |
| Liquid Assets / Assets | 2.74% | 2.85% | 3.06% | 2.66% | 3.57% | +83 bps | |
| CRE / Total Capital | n/a | 413% | 406% | 411% | n/a | n/a | |