# ECLIPSE BANK INC
LOUISVILLE, KY · FDIC certificate 58049 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $485.7M | |
| Deposits | $341.3M | |
| Loans and leases | $415.5M | |
| Total equity | $43.7M | |
| Loans / deposits | 120.67% (p99 of band) | 82.04% |
| Liquid assets / assets | 10.61% (p6 of band) | |
| Uninsured deposits / deposits | 16.18% (p16 of band) | 25.97% |
| Brokered deposits | 7.96% | |
| Wholesale funding | 28.34% (p97 of band) | |
| FHLB advances / assets | 19.54% | |
| Tier 1 leverage | 9.47% (p22 of band) | 10.81% |
| Unrealized securities loss / equity | -8.63% (p48 of band) | -8.10% |
| AOCI / equity | 0.51% (p92 of band) | |
| ROA (annualized) | 0.58% (p14 of band) | 1.28% |
| Net interest margin | 2.73% (p6 of band) | 3.91% |
| Efficiency ratio | 75.41% (p83 of band) | |
| Noncurrent loans | 0.31% (p43 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 287.45% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 73.88% (p74 of band) | |
| Auto loans | $81,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | brokered >10%, capital falling | wholesale funding >15% |
| 2012-03 | 2 | charge-offs p90 | brokered >10%, capital falling |
| 2012-06 | 2 | brokered >10% | charge-offs p90 |
| 2012-09 | 1 |  | brokered >10% |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 2 | wholesale funding >15% |  |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 6 | brokered >10%, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 2 |  | reserve under noncurrent |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | reserve under noncurrent |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | uninsured deposits leaving |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | uninsured deposits leaving |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | loans exceed deposits |  |
| 2017-03 | 6 | capital falling, losing money, expense ratio p90 | loans exceed deposits |
| 2017-06 | 4 |  | losing money, expense ratio p90 |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 3 |  |  |
| 2018-06 | 1 |  | wholesale funding >15%, brokered >10% |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |
| 2018-12 | 4 | loans exceed deposits, wholesale funding >15% | assets shrinking |
| 2019-03 | 2 |  | deposits shrinking, wholesale funding >15% |
| 2019-06 | 0 |  | reserve under noncurrent, loans exceed deposits |
| 2019-09 | 2 | loans exceed deposits, construction >100% equity |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 4 | wholesale funding >15% |  |
| 2020-06 | 3 |  | construction >100% equity |
| 2020-09 | 3 |  |  |
| 2020-12 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | wholesale funding >15% |  |
| 2021-09 | 1 | capital falling | wholesale funding >15% |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | wholesale funding >15%, expense ratio p90 |  |
| 2022-06 | 3 | loans exceed deposits |  |
| 2022-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2022-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2023-03 | 5 | liquid assets <10%, capital falling |  |
| 2023-06 | 7 | brokered >10%, NIM <2.5% |  |
| 2023-09 | 6 |  | liquid assets <10% |
| 2023-12 | 7 | losing money |  |
| 2024-03 | 5 |  | expense ratio p90, losing money |
| 2024-06 | 5 | uninsured deposits leaving | capital falling |
| 2024-09 | 5 | expense ratio p90 | brokered >10% |
| 2024-12 | 7 | losing money, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2025-03 | 10 | charge-offs p90, construction >100% equity, uninsured deposits leaving |  |
| 2025-06 | 7 | liquid assets <10% | losing money, assets shrinking, construction >100% equity, uninsured deposits leaving |
| 2025-09 | 5 |  | deposits shrinking, liquid assets <10% |
| 2025-12 | 4 |  | charge-offs p90 |
| 2026-03 | 3 | reserve under noncurrent | NIM <2.5%, expense ratio p90 |
| 2026-06 | 2 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-02-03 [Eclipse Bank Expanding into Tennessee - PR Newswire](https://news.google.com/rss/articles/CBMimAFBVV95cUxPSmhWdEcwaHFkRmtSTEd6dWZyamEyc2FoXzVPbDRkSURBanhseXgzQWs0TW92WDlQQkJlYUZoMGJibGo0cmhpbENUZlBEZVI2S1F0TUdoWnN2TUdsazBKWWJkSk03RnZhVUx3X0JCM2Z0dmhWcG9SdVp3RDM5d25lVWVpaVhIM184ZGhTNUJwN2VRZjBDMm1WYw?oc=5) · PR Newswire
- 2021-12-06 [Eclipse Bank acquires land for new East End branch - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNQlFmOGxFZHBDN0dCcENvVWFGWDBST1RoMFpwSkR2MG50ak1lOEVwQUxVWVoxMGx1a2tFNGJpOEh2T3ZOMjBtOWozR1hMNFVzWXc0V3VZRV9reW5rc0pWWVZ2dHktblJUUnZ5dEcyN0dhcXpRbGVKV0Z3MFFmMllRTEVoX3ZaU3NRdW9Lb29FS1dDemVvRE0tc0daRVRHaTM5QUFBR2d0VGtZd2R1azFZ?oc=5) · The Business Journals
- 2019-11-21 [Industry veteran joins Eclipse Bank's leadership team - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQaUxDVVNDU08yWm5mZzZtQmJBbmFac1JZV3VvZFpXQkNwQ2s0X1l4YkYwdTFEMzFuUmpYaWIxb3RHaUszMGlSQmtXbXVNSnB1cmFlRmZsNnZNLUJTTDFzMzlIREE1NU1sbFVFd3hOamxqdXQtTF9YNHNkLVN4RFF4QnZFYnc0TG11aU5GMHdWQm11MG9FOGVlaktsRUdVbkljRDBkWm9pbVlJV2c?oc=5) · The Business Journals
- 2022-06-22 [BEST IN FINANCE: Brian Karst - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTDhQaGdMRG1fM0ZQUXlyNWk2RmNqSzlBa3FvVDMyUFVZWXhUWFhUZ2thRmVDYUJWMzVqWncwbzlIS2w4RV8tX3dZdk54RllwTGhDVnpSaXBwcFduVE1oNEJrcWtpWFJDOE9HT19vUGYxV3Vxanp1bHNVaHM4Yk9IMGo4WHBvUFYyZnlCeFNmeXQ?oc=5) · The Business Journals
- 2019-12-09 [IN PERSON: How a critical question shaped the career of Eclipse Bank's president and CEO - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNM3dsWW82T0QtV1RGUEVqeWlQY0F5V0RXN1U3c2ZwMDFrT0RneG1yb1NoM3VYOVVFXzlnU3ZoYlpTMUVNd3V4R2o5b2M3MUN6UEhOMWx0bGhVZGRWZ3JwMlhvb1g5UHZkMk9kQWk4WUl1S2FHX2hYVHhCTE1wSl9QSFh0bDRGMjhQTnlkMFRXUUpRSU5CYVREY3RUS2VWYmppNmZRcWRzOA?oc=5) · The Business Journals
- 2018-08-31 [Eclipse hires Louisville banking veteran to lead commercial team - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPNExKSGpLZ09DMldiQ0hpT1V1RTlSOFY1SlZpNTBaalp5NGdQWldYMW5mUFJDbGNlU1lGbVBOa2JBaWxrdFdBbVJ3bGNQQUNjRHNUMldQbG16ai1hN29leFUyWHlWcloxaTVEYjhuRy1CNmU1dWZvVUIwNndDcm01YVVMNTZHQ09wcUZEaXNkZmFEalNSdUxYT0xTTGNzSE5abVQ1SDdlQS05Unp4?oc=5) · The Business Journals
- 2021-09-14 [ANNOUNCING: Meet the 50 fastest-growing private companies in Louisville for 2021 - The Business Journals](https://news.google.com/rss/articles/CBMidkFVX3lxTE5LaHVJNGh1elRGd2NST1AyVk9IbXFGeTQySUdVMDc5X29DanJNb0hWUDVuUGwtR21rSVBUUEF1ZDU1bTgwaXhOODNvS29IdV9tY0UzV1Z4SWdVblZKcTRraHRLUm1XUEJFUkw5NWxla3o1S0FZTFE?oc=5) · The Business Journals
- 2023-10-27 [42. V-Soft Consulting Group Inc. - The Business Journals](https://news.google.com/rss/articles/CBMivgFBVV95cUxOdkM1MTZFUkVPZjNEc25kZmhTQ2JEVll6Wm9pdnhQOEdTT0xXLUJPaVYtaW9NU080Z0k1STQ2dWlzb0RDdUJYVFoxMzUwZm96X1JUT1RzekV6WC1LX3RtZ1BKeGJ2dmU0MmJzUXNWWFRVakJ1QlpXSjNydUVoY3JLRWVFSUVpcVlKX0ROb0dfZTdJTVNNX0NNeEJ1VHoybTZxb0dqZnRwN2FfMjdfVE9hMWJJRE4wMHBMd1ZvSlV3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58049 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "58049", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide