Total Assets
$482M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$345M
Customer-funded liabilities
Net Loans
$411M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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 metrics
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
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.26%
Return on Equity (ROE)
3.06%
Efficiency Ratio
87.93%
What the numbers say about Eclipse Bank, Inc.
Eclipse Bank, Inc. is an FDIC-insured institution (Certificate #58049) headquartered in Louisville, Kentucky, established in 2005. It holds $482M in total assets - 1,836th of 4,313 FDIC-insured banks, $345M in customer deposits, and $411M in net loans. Capital-wise, the Tier 1 ratio sits at 9.43%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 1.96%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (45 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Eclipse Bank, Inc. sits 40th of 120 banks headquartered in Kentucky by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Kentucky by total assets
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.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Eclipse Bank, Inc.'s health grade?▼
Eclipse Bank, Inc. receives a health grade of D (45/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Eclipse Bank, Inc.?▼
Eclipse Bank, Inc. holds $482M in total assets and $345M in deposits, ranking 1,836th of 4,313 FDIC-insured banks by asset size. It is headquartered in Louisville, Kentucky.
Is my money safe at Eclipse Bank, Inc.?▼
Yes, deposits at Eclipse Bank, Inc. (Certificate #58049) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Eclipse Bank, Inc.'s Tier 1 Capital Ratio?▼
Eclipse Bank, Inc. has a Tier 1 Capital Ratio of 9.43%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Eclipse Bank, Inc.?▼
Eclipse Bank, Inc. has a Texas Ratio of 1.96%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Eclipse Bank, Inc.?▼
Eclipse Bank, Inc. has an Efficiency Ratio of 87.93%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Eclipse Bank, Inc.'s profile as a depositor or analyst.
- Eclipse Bank, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Eclipse Bank, Inc. against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.