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Eclipse Bank, Inc.

$100M-$1B Specialty: Commercial KY FDIC cert 58049

Louisville, KY

4 branches across KY · TN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits -1.8% year over year ($341.3M on the books).
  • Delinquency rate 0.31%.
  • Return on assets 0.58%.
  • Efficiency ratio 75.41% vs a 64.48% peer average.
  • Loan-to-deposit ratio 120.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Eclipse Bank, Inc. has 1 strength but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 7.0% in tier
  • - Flatlined Growth: Bottom 7.9% in tier
  • - Credit Quality Pressure: Bottom 13.7% in tier
  • - Liquidity Strain: Bottom 39.5% in tier
  • - Net Interest Margin 1.25% below tier average
  • - Non-Interest-Bearing Deposit Share 12.40% below tier average
  • - ROA 0.74% below tier average
  • - Efficiency Ratio 10.93% above tier average
Get updates when Eclipse Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $485.7M
-0.5% YoY -1.9% QoQ
+$99.1M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $411.8M
-2.6% YoY -2.0% QoQ
+$153.5M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $341.3M
-1.8% YoY -2.0% QoQ
+$14.5M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 0.58%
+382.7% YoY +17.6% QoQ
-0.74% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Bottom 14.5% in tier
Net Interest Margin ? 2.73%
+20.2% YoY +2.0% QoQ
-1.25% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 5.4% in tier
Efficiency Ratio ? 75.41%
-19.7% YoY -4.1% QoQ
+10.93% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
20%
Delinquency Rate ? 0.31%
+0.8% YoY -65.8% QoQ
-0.60% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 120.67%
-0.8% YoY +0.0% QoQ
+42.72% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Bottom 1.2% in tier
Non-Interest-Bearing Deposit Share ? 9.63%
+5.3% YoY -4.8% QoQ
-12.40% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Bottom 9.8% in tier
Nonperforming Asset Ratio ? 0.31%
+14.4% YoY -62.4% QoQ
-0.36% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 9.47%
+2.2% YoY +0.5% QoQ
-6.44% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Bottom 4.5% in tier
Non-Interest Income / Assets ? 0.17%
+50.4% YoY +145.7% QoQ
-0.40% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 9.6%
+0.5pp YoY
-0.5pp QoQ
 -12.5pp 22.1% 23.5% 22.2% 9%
Brokered Deposits 11.3%
+0.3pp YoY
+0.3pp QoQ
 +3.5pp 7.9% 5.4% 8.5% 78%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 9.0%
+0.8pp YoY
-0.5pp QoQ
 -2.6pp 11.6% 8.6% 12.5% 46%
CRE 45.9%
+1.2pp YoY
+0.7pp QoQ
 +6.4pp 39.5% 37.1% 41.4% 64%
1-4 Family 40.2%
-1.6pp YoY
+0.4pp QoQ
 +7.5pp 32.6% 41.6% 31.3% 70%
Consumer 0.3%
0.0pp YoY
-0.1pp QoQ
 -3.8pp 4.1% 4.8% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 20.2% 19.7% n/a
Leverage Ratio 9.5%
+0.2pp YoY
0.0pp QoQ
 -2.7pp 12.2% 14.0% 12.6% 20%
Total Capital Ratio n/a n/a 19.9% 21.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 45
0 YoY
0 QoQ
 -14 58 105 482 47%
Assets per Employee ($) $10.8M
-0.5% YoY
-1.9% QoQ
 +$3.3M $7.5M $6.3M $8.8M 89%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.3%
0.0pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 39%
Allowance Coverage 2.87x
+1.5% YoY
+199.7% QoQ
 -21.28x 24.15x 7.45x 20.23x 57%
Net Charge-off Rate (YTD) -0.0%
-0.5pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 6.6%
+5.2pp YoY
+0.9pp QoQ
 -5.6pp 12.2% 13.3% 11.6% 19%
Cost of Funds (YTD) 3.0%
-0.3pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.7% 1.7% 98%
Net Income ($, YTD) $1.4M
+387.3% YoY
— QoQ
 -$1.1M $2.6M $5.1M $40.4M 40%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#47 of 661 • Bottom 7.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.47%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#43 of 529 • Bottom 7.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.58%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#173 of 1256 • Bottom 13.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.31%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#274 of 691 • Bottom 39.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 120.67%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

518
Total Loans
size
Value: $411.81M
Peer Median: $258.35M
#518 of 2643 Top 19.6% in $100M-$1B

Top Weaknesses (6 metrics)

2611
Loan-to-Deposit Ratio
liquidity
Value: 120.67%
Peer Median: 77.95%
#2611 of 2643 Bottom 1.2% in $100M-$1B
2524
Tier 1 Capital Ratio
capital
Value: 9.47%
Peer Median: 15.91%
#2524 of 2643 Bottom 4.5% in $100M-$1B
2501
Net Interest Margin
profitability
Value: 2.73%
Peer Median: 3.99%
#2501 of 2643 Bottom 5.4% in $100M-$1B
2385
Non-Interest-Bearing Deposit Share
funding
Value: 9.63%
Peer Median: 22.03%
#2385 of 2643 Bottom 9.8% in $100M-$1B
2260
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.32%
#2260 of 2643 Bottom 14.5% in $100M-$1B
2120
Efficiency Ratio
profitability
Value: 75.41%
Peer Median: 64.48%
#2120 of 2643 Bottom 19.8% in $100M-$1B
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