Bank Comparison
PBT Bancorp vs Eclipse Bank, Inc.
BankRegReports is independent of PBT Bancorp and Eclipse Bank, Inc. and never asks for online banking logins or passwords.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 8
winning metrics across 13 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | PBT Bancorp | Eclipse Bank, Inc. |
|---|---|---|
| CET1 Ratio | 9.35% | — |
| Tier 1 Capital Ratio | 9.35% | — |
| Total Capital Ratio | 10.49% | — |
| Tier 1 Leverage Ratio | 8.15% | 9.47% |
| Equity / Assets | 5.06% | 8.99% |
Profitability
| Metric | PBT Bancorp | Eclipse Bank, Inc. |
|---|---|---|
| Return on Assets (ROA) | 0.19% | 0.66% |
| Return on Equity (ROE) | 3.41% | 7.54% |
| Net Interest Margin (NIM) | 4.29% | 2.74% |
| Yield on Earning Assets | 6.93% | 5.69% |
| Cost of Funds | 2.78% | 3.13% |
Asset quality
| Metric | PBT Bancorp | Eclipse Bank, Inc. |
|---|---|---|
| Texas Ratio | 40.19% | 3.16% |
| Non-Performing Loan Ratio | 2.66% | 0.31% |
| Non-Performing Asset Ratio | 2.39% | 0.31% |
| Net Charge-Off Ratio | 0.03% | -0.02% |
| ACL / Loans | 1.14% | 0.89% |
Balance sheet
| Metric | PBT Bancorp | Eclipse Bank, Inc. |
|---|---|---|
| Total Assets | $473.2M | $485.7M |
| Total Deposits | $426.7M | $341.3M |
| Total Loans | $371.7M | $415.5M |
| Total Equity | $24.0M | $43.7M |
| Net Income (quarter) | $201K | $817K |
Liquidity & funding
| Metric | PBT Bancorp | Eclipse Bank, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 87.11% | 121.76% |
| Core Deposit Ratio | 90.48% | 84.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | PBT Bancorp | Eclipse Bank, Inc. |
|---|---|---|
| Headquarters City | Hazard | Louisville |
| Headquarters State | KY | KY |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 83 | 45 |
| Established | March 19, 1923 | October 14, 2005 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full PBT Bancorp profile | View full Eclipse Bank, Inc. profile | Browse all bank comparisons