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Eclipse Bank, Inc.

Louisville, KY · Cert 58049 · Eclipse Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$485.7MAssets
$415.5MLoans
$341.3MDeposits
$43.7MEquity
Loan mix
90%RE $358.5M10%C&I $40.0M0%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $308.4M10%Noninterest $32.9MQ3 2024Q2 2026

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 0.6% share · #21 of 43 inst. · $0.3B of $48.2B

0.9% Jefferson
1.0% Washington

Executive Summary

  • Earnings: ROA of 0.58%, up 46 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.31% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.47%, up 20 bps from a year ago.
  • Funding: loans stand at 121.76% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+40 bps YoY

Efficiency Ratio (YTD, annualized)

75.41%-1,852 bps YoY

Tier 1 Leverage Ratio

9.47%+20 bps YoY

NIM

5.25%Q2 ’245.34%Q2 ’255.38%Q2 ’26+38%+19%

Non-interest income vs. expense

2.06%Q2 ’242.24%Q2 ’252.18%Q2 ’26+59%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%-0.05%-0.08%0.12%0.21%0.26%0.50%0.58%+46 bps
Return on Equity1.61%-0.56%-0.98%1.43%2.46%3.06%5.67%6.61%+518 bps
Net Interest Margin1.68%1.78%2.10%2.16%2.21%2.31%2.53%2.56%+40 bps
Efficiency Ratio94.50%97.45%106.31%93.93%89.77%87.93%78.67%75.41%-1,852 bps
Non-Interest Burden1.55%1.72%2.24%2.01%1.96%2.01%1.93%1.85%-16 bps
Growth
Asset Growth (YoY)-2.47%-5.75%-5.86%-1.87%-0.71%0.11%3.33%-0.53%+135 bps
Loan Growth (YoY)-2.36%-5.07%-3.55%0.45%0.02%1.17%3.28%-2.56%-301 bps
Deposit Growth (YoY)0.45%-5.02%-8.17%-6.93%-0.78%-0.50%0.44%-1.81%+512 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.65%0.61%0.31%0.23%0.22%0.91%0.31%0 bps
Net Charge-Offs / Loans0.11%0.09%0.83%0.47%0.32%0.25%0.00%-0.01%-48 bps
Allowance / Loans0.94%1.14%0.93%0.87%0.89%0.89%0.87%0.89%+2 bps
Allowance Coverage of NPLs1.5x1.8x1.5x2.8x3.9x4.1x1.0x2.9x0.0x
Capital
Tier 1 Leverage Ratio9.18%9.21%9.26%9.27%9.17%9.43%9.42%9.47%+20 bps
Total Risk-Based Capital9.18%9.21%9.26%9.27%9.17%9.43%9.42%9.47%+20 bps
Equity / Assets8.43%8.44%8.47%8.40%8.57%8.80%8.69%8.99%+59 bps
Liquidity & Funding
Loans / Deposits116.74%118.28%118.33%122.69%117.68%120.26%121.69%121.76%-93 bps
Liquid Assets / Assets5.57%3.00%3.61%2.74%2.85%3.06%2.66%3.57%+83 bps
CRE / Total Capitaln/an/an/an/a413%406%411%n/an/a