Eclipse Bank, Inc. is a state-chartered bank headquartered in Louisville, Kentucky, in business for about 21 years. At the end of Q2 2026 it reported $485.7M in total assets and $341.3M in deposits, with 4 offices across 2 states.
Based on its Q2 2026 filing, Eclipse Bank, Inc. scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 102nd. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is earnings (43/100; 0.58%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (57 → 61), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 54 |
| Q4 2024 | 52 |
| Q1 2025 | 53 |
| Q2 2025 | 57 |
| Q3 2025 | 58 |
| Q4 2025 | 59 |
| Q1 2026 | 54 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.00% |
| Q3 2024 | 9.18% |
| Q4 2024 | 9.21% |
| Q1 2025 | 9.26% |
| Q2 2025 | 9.27% |
| Q3 2025 | 9.17% |
| Q4 2025 | 9.43% |
| Q1 2026 | 9.42% |
| Q2 2026 | 9.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.69% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.22% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.31% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.13% |
| Q4 2024 | -0.05% |
| Q1 2025 | -0.08% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.21% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $485.7M | 9.47% | 0.31% | 0.58% | 120.7% |
| Q1 2026 | 54 | $495.1M | 9.42% | 0.91% | 0.50% | 120.6% |
| Q4 2025 | 59 | $482.0M | 9.43% | 0.22% | 0.26% | 119.2% |
| Q3 2025 | 58 | $487.1M | 9.17% | 0.23% | 0.21% | 116.6% |
| Q2 2025 | 57 | $488.3M | 9.27% | 0.31% | 0.12% | 121.6% |
| Q1 2025 | 53 | $479.1M | 9.26% | 0.61% | -0.08% | 117.2% |
| Q4 2024 | 52 | $481.5M | 9.21% | 0.65% | -0.05% | 116.9% |
| Q3 2024 | 54 | $490.6M | 9.18% | 0.61% | 0.13% | 115.6% |
| Q2 2024 | 53 | $497.6M | 9.00% | 0.69% | 0.26% | 112.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springfield State BankBank Springfield, KY | 79 out of 100, Strong | $486.9M | 14.0% | 0.56% | vs |
| River City Bank, Inc.Bank Louisville, KY | 74 out of 100, Strong | $494.9M | 11.7% | 0.36% | vs |
| The First National Bank of Russell SpringsBank Russell Springs, KY | 73 out of 100, Strong | $475.2M | 10.5% | 0.11% | vs |
| Pbt BancorpBank Hazard, KY | 28 out of 100, Low | $473.2M | 8.2% | 2.66% | vs |
| First Community Bank of the Heartland, Inc.Bank Clinton, KY | 56 out of 100, Moderate | $506.0M | 8.1% | 1.07% | vs |
| The Casey County Bank, Inc.Bank Liberty, KY | 71 out of 100, Strong | $508.4M | 8.3% | 0.10% | vs |
Deposit insurance
Is my money safe at Eclipse Bank, Inc.?
Yes. Eclipse Bank, Inc. is an FDIC-insured institution (FDIC certificate #58049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.2% of deposits ($55.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.47%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Eclipse Bank, Inc. lists 4 offices in 2 cities across 2 states. Most locations:
- Louisville, KY (3)
- Johnson City, TN (1)
HMDA 2025
Mortgage lending
In 2025, Eclipse Bank, Inc. reported 122 home-loan applications under HMDA (LEI 25490014T1E9ZF0ODZ87): 84 originated ($35,220,000 total), 8 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Eclipse Bank, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 58049
- RSSD ID
- 3347603
- Primary regulator
- FDIC
- Holding company
- Eclipse Bcorp Inc
- Established
- October 14, 2005
- Headquarters
- 13903 Promenade Green Way, Louisville, KY 40245
- Website
- www.eclipsebank.com
- Employees
- 45
Quick answers
Eclipse Bank, Inc.: common questions
Is Eclipse Bank, Inc. FDIC insured?
Yes. Eclipse Bank, Inc. is an FDIC-insured institution (FDIC certificate #58049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Eclipse Bank, Inc.'s TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Eclipse Bank, Inc. ever failed?
There is no failure record for FDIC certificate #58049 in the FDIC failed bank list.
How many branches does Eclipse Bank, Inc. have?
4 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Louisville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Advanz Federal Credit UnionCredit union Louisville, KY | 85 out of 100, Very strong | $161.6M | 15.6% | 0.54% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Transcend Credit UnionCredit union Louisville, KY | 83 out of 100, Strong | $588.3M | 13.4% | 0.13% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Louisville Gas and Electric Company Credit UnionCredit union Louisville, KY | 82 out of 100, Strong | $50.4M | 15.5% | 0.87% | vs |
| Louisville Federal Credit UnionCredit union Louisville, KY | 81 out of 100, Strong | $37.2M | 20.1% | 0.84% | vs |