Eclipse Bank, Inc.
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.5) profitability.
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) and a capital leverage ratio of 9.4. A current level of 1.8 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Home mtgs (30%), comm re (28%), comm loans (6%), securities (6%), home eq lns (6%), cash (1%), consumer loans (0%), other (22%)
States with Branches:
KY, OH, TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Eclipse Bancorp, Inc.
Investment Rating
--
Address
3827 Shelbyville Road
Louisville, KY 40207
Louisville, KY 40207
Phone Number
(502) 671-4800
Year Founded
2005
FDIC Number
Website
Largest Affiliates
No affiliate information available.