Eclipse Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 191.53 percentage points higher than in Q1 2026, at 287.45%. Eclipse Bank, Inc. ranks 106th of 119 Kentucky banks on return on assets, in the lower half at 0.66% (Q2 2026). Eclipse Bank, Inc. reported 0.66% on return on assets for Q2 2026, 0.59 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.47% |
| Equity capital to assets | 8.99% |
| Tangible equity to tangible assets | 8.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.31% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 3.16% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 287.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 7.54% |
| Net interest margin | 2.74% |
| Efficiency ratio | 71.88% |
| Yield on earning assets | 5.69% |
| Cost of funds | 3.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.76% |
| Core deposits to total deposits | 84.31% |
| Brokered deposits to total deposits | 11.32% |
| Deposits to assets | 70.26% |
| Securities to assets | 6.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.38% | -0.15% | 1.63% | 0.16% | 0.02% |
| Q4 2023 | 9.06% | -0.66% | 1.53% | 0.54% | 0.01% |
| Q1 2024 | 8.90% | 0.58% | 1.33% | 0.51% | 0.00% |
| Q2 2024 | 9.00% | -0.06% | 1.91% | 0.69% | -0.01% |
| Q3 2024 | 9.18% | -0.14% | 1.93% | 0.61% | 0.34% |
| Q4 2024 | 9.21% | -0.60% | 2.01% | 0.65% | 0.04% |
| Q1 2025 | 9.26% | -0.08% | 2.16% | 0.61% | 0.83% |
| Q2 2025 | 9.27% | 0.32% | 2.35% | 0.31% | 0.14% |
| Q3 2025 | 9.17% | 0.38% | 2.48% | 0.23% | 0.00% |
| Q4 2025 | 9.43% | 0.42% | 2.61% | 0.22% | 0.03% |
| Q1 2026 | 9.42% | 0.49% | 2.66% | 0.91% | 0.00% |
| Q2 2026 | 9.47% | 0.66% | 2.74% | 0.31% | -0.02% |
Eclipse Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eclipse Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Eclipse Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58049) · FFIEC NIC profile (RSSD 3347603)