FDIC Cert #58049 · Louisville, Kentucky · Est. 2005

Eclipse Bank, Inc. - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$482M
Total assets
D
Health grade · Weak
0.26%
Return on assets
9.4%
Tier 1 capital

Data updated July 2026

The verdict

Eclipse Bank, Inc. earns a PlainBankData health grade of D (45/100), with 9.43% Tier 1 capital, 0.26% ROA, 88% efficiency ratio.

#1,836
largest of 4,313 FDIC banks by assets
57th
percentile by asset size, nationally
9.43%
Tier 1 ratio - below the 10% well-capitalized line
9th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 58049 · KY D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4187/4307
  • PHOTO-FINISH First National Bank… · GA
  • TIER1-ADEQ 9.4% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-THIN 0.26% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kentucky: First National Bank of Decatur County, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Eclipse Bank, Inc.

Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Eclipse Bank, Inc. · KY · th…45/100First National Bank… · GA · …45/100First Secure Communi… · IL ·…45/100Hometown Bank · OH · near45/100Preferred Bank · IL · near45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Eclipse Bank, Inc. · July 2026

What Eclipse Bank, Inc.'s Call Report plate shows

Eclipse Bank, Inc. (FDIC Cert #58049) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,187 of 4,307. Tier 1 capital prints at 9.43%, missing the 10% well-capitalized line. The Texas Ratio is 1.96%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.26%. Balance-sheet scale is $482M, 1,836th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank of Decatur County (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Eclipse Bank, Inc.

3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)

Eclipse Bank, Inc.'s home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Eclipse Bank, Inc. remains an active FDIC-insured reporter.

  • LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
  • FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
  • IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.

How Eclipse Bank, Inc.'s 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Eclipse Bank, Inc.'s composite health score
Tier 1 Capital Ratio (9.43%) 18/40
Return on Assets (ROA) (0.26%) 7/25
Texas Ratio (1.96%) 20/20
Efficiency Ratio (87.93%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$482M

Total balance-sheet footings

Total Deposits

$345M

Customer-funded liabilities

Net Loans

$411M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.03% 9.43% 10.83%
Basel III capital ratios - Eclipse Bank, Inc.

Where Eclipse Bank, Inc. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Eclipse Bank, Inc.'s score of 45/100 falls in the highlighted band.

Eclipse Bank, Inc.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Eclipse Bank, Inc. 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Eclipse Bank, Inc.'s size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Eclipse Bank, Inc.'s $482M falls in the highlighted band.

Safety ratios for Eclipse Bank, Inc.

Tier 1 capital ratio
Well-capitalized 10%

9.43% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.43%
Texas Ratio
1.96%
Equity Capital
$42M

What these ratios mean →

Profitability metrics: Eclipse Bank, Inc.

Return on Assets (ROA)
9th percentile nationally
0.26%
Return on Equity (ROE)
3.06%
Efficiency Ratio
87.93%

What these mean →

Income & expense at Eclipse Bank, Inc.

$26M
Interest Income
$960K
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Eclipse Bank, Inc. reports a Texas Ratio of 1.96% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Eclipse Bank, Inc.

Eclipse Bank, Inc.'s grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.43% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Eclipse Bank, Inc. up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Eclipse Bank, Inc. on FDIC BankFind →

Top banks in Kentucky by total assets

Largest banks headquartered in Kentucky
  1. 1
    Stock Yards Bank & Trust Company $9.5B

    Louisville, KY · Grade A

  2. 2
    Republic Bank & Trust Company $7.0B

    Louisville, KY · Grade A

  3. 3
    Community Trust Bank, Inc. $6.6B

    Pikeville, KY · Grade A

  4. 4
    Central Bank & Trust Co. $3.9B

    Lexington, KY · Grade B

  5. 5
    Independence Bank of Kentucky $3.8B

    Owensboro, KY · Grade B

Top 5 banks in Kentucky ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($482M here), outside Kentucky so the neighborhood is not state containment.

The Peoples State Bank $482M · IN Ohnward Bank & Trust $482M · IA Sterling State Bank $482M · MN First Electronic Bank $482M · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Eclipse Bank, Inc. (FDIC Cert #58049) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Eclipse Bank, Inc. Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kentucky

All Kentucky banks →
BankAssetsGradeROA
Stock Yards Bank & Trust CompanyLouisville $9.5B A 1.57%
Republic Bank & Trust CompanyLouisville $7.0B A 1.89%
Community Trust Bank, Inc.Pikeville $6.6B A 1.50%
Central Bank & Trust Co.Lexington $3.9B B 1.16%
Independence Bank of KentuckyOwensboro $3.8B B 0.80%
Traditional Bank, Inc.Mount Sterling $2.5B B 0.80%
Heritage Bank, Inc.Burlington $2.1B B 1.08%
South Central Bank, Inc.Glasgow $2.1B A 1.25%