Eclipse Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Eclipse Bank, Inc. of Louisville, KY against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.66% | 1.25% | -0.59% | 17th bottom |
| ROAE | 7.54% | 12.22% | -4.68% | 22nd bottom |
| Net Interest Margin | 2.74% | 3.95% | -1.21% | 5th bottom |
| Efficiency Ratio | 71.88% | 63.71% | +8.17% | 23rd bottom |
| PPNR / Avg Assets | 0.83% | — | — | 14th bottom |
| Yield on Earning Assets | 5.69% | 5.67% | +0.02% | 54th above |
| Cost of Funds | 3.13% | 1.87% | +1.26% | 4th bottom |
| Net Interest Spread | 2.30% | — | — | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.31% | 0.88% | -0.57% | 56th above |
| NPA / Total Assets | 0.31% | — | — | 51st above |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 90th top |
| ACL / Total Loans | 0.89% | — | — | 17th bottom |
| ACL / NPLs (Coverage) | 287.45% | — | — | 57th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.16% | 5.96% | -2.80% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.47% | 11.75% | -2.28% | 20th bottom |
| Equity / Assets | 8.99% | 10.98% | -1.99% | 27th below |
| TCE / Tangible Assets | 8.99% | — | — | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 121.76% | 80.44% | +41.32% | 1st bottom |
| Core Deposit Ratio | 84.31% | 86.95% | -2.64% | 28th below |
| Wholesale Funding Ratio | 20.38% | — | — | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.53% | — | — | 16th bottom |
| Loan Growth (Y/Y) | -2.56% | — | — | 12th bottom |
| Deposit Growth (Y/Y) | -1.81% | — | — | 14th bottom |
See Eclipse Bank, Inc.'s peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Eclipse Bank, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Eclipse Bank, Inc. profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Eclipse Bank, Inc. peer analysis.