Eclipse Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Eclipse Bank, Inc. is an FDIC-insured commercial bank headquartered in Louisville, KY, established in 2005 (FDIC certificate 58049), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $485.7M, down 0.5% from Q2 2025, the 41st largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58049
- Headquarters
- Louisville, KY
- Established
- 2005
- Total assets, Q2 2026
- $485.7M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 9.47%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 083008508
- Latest call report
- Q2 2026, FFIEC 051 · Eclipse Bank, Inc. call report
- Holding company
- ECLIPSE BANCORP, INC.
- Asset rank in state
- 41st of 120 in Kentucky
Eclipse Bank, Inc., based in Louisville, Kentucky, reported $486 million in assets at June 30, 2026. It keeps 2.74 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 3.13% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $817,000, 109% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for banks its size.
As of June 30, 2026, Eclipse Bank, Inc. reported a return on assets of 0.66%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 3.16%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Eclipse Bank, Inc. is the 41st largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.9% to $485.7M, loans fell 2.0% and deposits fell 2.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.7%. The FDIC Summary of Deposits lists 4 offices for it, in Louisville, KY and Johnson City, TN; its Louisville 3 offices book 91% of its branch deposits. By the capital ratios in its Q2 2026 call report, Eclipse Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 13903 Promenade Green Way, Louisville, KY 40245
- County
- Jefferson
- Metro Area
- Louisville-Jefferson County, KY-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 14, 2005
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $341.3M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- -$19K
- Average total assets
- $493.1M
- Average total loans
- $418.9M
- Average interest-bearing deposits
- $309.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 14, 2005
- FDIC Cert
- 58049
- Fed RSSD
- 3347603
- SEC CIK
- 1946412 → filed by ECLIPSE BANCORP, INC.
- Website
- www.eclipsebank.com →
- Parent Holding Company
- ECLIPSE BANCORP, INC. (RSSD 5530632) · ECLP
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Eclipse Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Eclipse Bank, Inc.'s total assets moved between a low of $479.1M (Q1 2025) and a high of $510.9M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$485.7M total assets against $488.3M; $442.0M total liabilities against $447.2M.
$411.8M net loans and leases against $422.7M; $341.3M total deposits against $347.6M.
$29.5M securities against $31.1M; $22.1M cash and balances due against $11.5M.
$6.7M total interest income against $6.5M; $3.5M total interest expense against $3.8M.
$3.2M net interest income against $2.7M.
$478K total noninterest income against $309K; $2.7M total noninterest expense against $2.5M.
$0 provision for credit losses against $50K.
$817K net income against $391K.
0.66% return on assets against 0.32%; 2.74% net interest margin against 2.35%.
9.47% tier 1 leverage ratio against 9.27%.
Inside the full Eclipse Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Eclipse Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,818 of 4,196, for total assets; its furthest is 3,069 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.60% (Q4 2024) to 0.66% (Q2 2026) and its net interest margin ran from 1.93% (Q3 2024) to 2.74% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.47% | 0.66% | 0.31% | 3.16% | 2.74% |
| Q1 2026 | 9.42% | 0.49% | 0.91% | 8.68% | 2.66% |
| Q4 2025 | 9.43% | 0.42% | 0.22% | 2.40% | 2.61% |
| Q3 2025 | 9.17% | 0.38% | 0.23% | 2.57% | 2.48% |
| Q2 2025 | 9.27% | 0.32% | 0.31% | 2.94% | 2.35% |
| Q1 2025 | 9.26% | -0.08% | 0.61% | 5.63% | 2.16% |
| Q4 2024 | 9.21% | -0.60% | 0.65% | 5.90% | 2.01% |
| Q3 2024 | 9.18% | -0.14% | 0.61% | 5.65% | 1.93% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St. Matthew's Branch | Louisville , KY | 40207 | $216.9M |
| Eclipse Bank, Inc. (main office) | Louisville , KY | 40245 | $51.4M |
| Hurstbourne Branch | Louisville , KY | 40222 | $41.4M |
| Johnson City Main Branch | Johnson City , TN | 37601 | $31.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in KY, rank 71 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 121 applications, 84 loans originated, $35.2M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $4.6M approved, $576K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Eclipse Bank, Inc.
What are Eclipse Bank, Inc.'s total assets?
As of the Q2 2026 filing, Eclipse Bank, Inc. reported total assets of $485.7 million in its FFIEC call report.
Where is Eclipse Bank, Inc. headquartered?
It is headquartered in Louisville, KY, United States.
When was Eclipse Bank, Inc. founded?
It was established in 2005, per the FDIC institution directory.
Is Eclipse Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eclipse Bank, Inc.?
Eclipse Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does Eclipse Bank, Inc. operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eclipse Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 3.16% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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