ECLIPSE BANK, INC.

LOUISVILLE, KY | Small | Est. Oct. 14, 2005, midnight | FDIC #58049 | RSSD #3347603 | FDIC
Latest Report: 2025-12-31

ECLIPSE BANK, INC. is asn small FDIC-insured commercial bank headquartered in LOUISVILLE, KY, established in Oct. 14, 2005, midnight. As of 2025-12-31, the bank reported total assets of $482M and total deposits of $345M. Profitability stands at 0.42% ROA and 4.84% ROE, with a net interest margin of 2.72%. The bank's CET1 capital ratio is 8.80%. Asset quality metrics show a non-performing loan ratio of 0.22% and a Texas Ratio of 2.40%. FDIC Certificate #58049.

Assets

$482M

Deposits

$345M

Loans

$415M

Equity

$42M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 4.84%
Net Interest Margin (NIM) 2.72%
Yield on Assets 5.95%
Cost of Funds 3.27%

Asset Quality

NPL Ratio 0.22%
Net Charge-Off Ratio 0.25%
Texas Ratio 2.40%
NPA Ratio 0.23%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 8.80%
Tier 1 Capital 8.80%
Total Capital Ratio 9.24%
Leverage Ratio 9.43%
Loan-to-Deposit 120.26%

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