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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Louisville, KY · FDIC certificate #58049
ECLIPSE BANK INC is an FDIC-insured institution based in Louisville, KY (FDIC certificate #58049). In its Q3 2026 Call Report it reported total assets of $506M, total deposits of $363M and net loans of $414M. Its primary federal regulator is FDIC.
Plain-language readout
ECLIPSE BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $506M in Q3 2026 and were lowest at $486M in Q2 2026.
Total deposits were highest at $363M in Q3 2026 and lowest at $341M in Q2 2026.
Over the whole period total assets rose 2.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $506M | $363M | $414M | 0.61% | 6.95% | 2.78% |
| Q2 2026 | $486M | $341M | $412M | 0.58% | 6.61% | 2.73% |
| Q1 2026 | $495M | $348M | $420M | 0.50% | 5.67% | 2.68% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.6M | $5.1M | +$2.6M | +50.6% |
| Federal funds sold | $14.4M | $18.5M | -$4.1M | -21.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $29.5M | $28.8M | +$616K | +2.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $116K | $479K | -$363K | -75.8% |
| Net loans and leases (after allowance) | $411.7M | $419.8M | -$8.1M | -1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.3M | $12.5M | -$151K | -1.2% |
| Other real estate owned | $206K | $206K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $9.8M | $9.8M | +$32K | +0.3% |
| Total assets | $485.7M | $495.1M | -$9.4M | -1.9% |
| Liabilities | ||||
| Total deposits | $341.3M | $348.4M | -$7.1M | -2.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $99.0M | $102.1M | -$3.1M | -3.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.8M | $1.6M | +$173K | +11.0% |
| Total liabilities | $442.0M | $452.1M | -$10.1M | -2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $5.8M | $5.8M | $0K | 0.0% |
| Surplus | $36.7M | $36.7M | $0K | 0.0% |
| Retained earnings | $4.1M | $3.6M | +$517K | +14.3% |
| Accumulated other comprehensive income | -$3.0M | -$3.1M | +$124K | +4.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $43.7M | $43.0M | +$641K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.5M | $4.1M | -$2.6M | -63.1% |
| Adjusted nonperforming assets | $1.5M | $4.1M | -$2.6M | -63.1% |
| Tangible equity plus allowance | $47.4M | $46.7M | +$657K | +1.4% |
| Texas ratio (gross) | 3.16% | 8.68% | -5.52 pts | See points |
| Texas ratio (adjusted) | 3.16% | 8.68% | -5.52 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.47% | 9.42% | +0.04 pts | See points |
| Construction and land loans to total capital | 64.06% | 66.00% | -1.94 pts | See points |
| Commercial real estate to total capital | 301.90% | 311.70% | -9.80 pts | See points |
| Dividend payout, year to date | 29.87% | 20.63% | +9.24 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.08% | -8.39% | +0.32 pts | See points |
| Liquidity | ||||
| Core deposits | $287.7M | $294.2M | -$6.5M | -2.2% |
| Non-core funding | $152.5M | $156.3M | -$3.7M | -2.4% |
| Loans to core deposits | 144.38% | 143.92% | +0.46 pts | See points |
| Loans to deposits | 121.73% | 121.55% | +0.18 pts | See points |
| Brokered deposits share of deposits | 11.32% | 11.06% | +0.26 pts | See points |
| Pledged securities share of securities | 1.85% | 1.98% | -0.13 pts | See points |
| Loans pledged, share of loans | 56.38% | 65.92% | -9.54 pts | See points |
| Volatile liabilities | $192.5M | $189.3M | +$3.2M | +1.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $734K | +$1.0M | +139.0% |
| Earnings before provision, single quarter | $1.0M | $734K | +$286K | +39.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.01% | 5.89% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 2.35% | 3.29% | -0.94 pts | See points |
| Total interest income to average assets | 5.44% | 5.36% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 2.51% | 2.40% | +0.11 pts | See points |
| Cost of savings and money market deposits | 2.93% | 2.86% | +0.07 pts | See points |
| Cost of time deposits | 3.84% | 3.93% | -0.09 pts | See points |
| Total interest expense to average assets | 2.83% | 2.82% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $506M | $363M | $414M | 0.61% | 6.95% | 2.78% |
| 2026-06-30 | $486M | $341M | $412M | 0.58% | 6.61% | 2.73% |
| 2026-03-31 | $495M | $348M | $420M | 0.50% | 5.67% | 2.68% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KY | $308.6M | 0.25% | 69 | Continuing · -0.04 pp |
| TN | $39M | 0.02% | 160 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.