BlastPoint's Banking Scorecard
Eclipse Bank, Inc.
Micro
Specialty: Commercial
KY
FDIC cert 58049
Designations: ✓ Community bank
Louisville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Eclipse Bank, Inc. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 44.66% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.42% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$482.0M
+0.1% YoY
-1.1% QoQ
|
+$264.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$411.5M
+1.4% YoY
-0.8% QoQ
|
+$272.3M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$345.2M
-0.5% YoY
-2.9% QoQ
|
+$161.6M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.26%
+668.7% YoY
+25.6% QoQ
|
-0.82% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.44%
+33.8% YoY
+2.9% QoQ
|
-1.42% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
87.93%
-9.8% YoY
-2.1% QoQ
|
+20.20% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.22%
-66.7% YoY
-5.3% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
119.19%
+1.9% YoY
+2.2% QoQ
|
+44.66% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.22%
+9.0% YoY
-9.8% QoQ
|
-13.17% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-58.5% YoY
-4.0% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-57.7% YoY
+23.1% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
119.19%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.44%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Loans
Current: $411.5M · Tier avg: $139.2M
99
99th pctile
Loan-to-Deposit Ratio
Current: 119.19% · Tier avg: 74.53%
98
98th pctile
Total Assets
Current: $482.0M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $345.2M · Tier avg: $183.7M
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
11
11th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.93% · Tier avg: 67.73%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.22% · Tier avg: 22.39%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.85%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.22% · Tier avg: 22.39%
11
11th pctile
Efficiency Ratio
Current: 87.93% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.08%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
89
89th pctile
Total Deposits
Current: $345.2M · Tier avg: $183.7M
98
98th pctile
Total Assets
Current: $482.0M · Tier avg: $217.5M
99
99th pctile
Loan-to-Deposit Ratio
Current: 119.19% · Tier avg: 74.53%
100
100th pctile
Total Loans
Current: $411.5M · Tier avg: $139.2M