Eagle Financial Services Inc(US:EFSI) Prnewswire·2026-01-26 21:50Core Insights - Eagle Financial Services, Inc. reported a consolidated net income of $4.3 million for Q4 2025, a decrease of 22.4% from Q3 2025 and 29.9% from Q4 2024 [1][3] - The company experienced a 36% increase in annualized return on average assets, driven by a 19% improvement in net interest margin over the year [2] Financial Performance - Consolidated noninterest income for Q4 2025 was $5.4 million, up from $5.2 million in Q3 2025 but down from $8.5 million in Q4 2024 [1][11] - Earnings per share for Q4 2025 were $0.81, compared to $1.04 in Q3 2025 and $1.74 in Q4 2024 [1][36] - Net interest income decreased by 4.8% from Q3 2025 to $16.4 million but increased by 21.3% from Q4 2024 [8] Asset Quality - Nonperforming assets increased slightly to $14.6 million or 0.77% of total assets as of December 31, 2025, from $14.3 million or 0.74% at September 30, 2025 [14] - The ratio of allowance for credit losses to total loans was 1.04% as of December 31, 2025, up from 1.01% at September 30, 2025 [20] Balance Sheet - Total consolidated assets decreased by $43.8 million to $1.89 billion as of December 31, 2025, primarily due to a decrease in cash and cash equivalents [21] - Total net loans increased by $12.6 million to $1.46 billion, driven by growth in commercial real estate and commercial and industrial loans [22] Deposits and Liquidity - Total deposits decreased to $1.61 billion as of December 31, 2025, down from $1.66 billion at September 30, 2025 [23] - The company's liquid assets were $423.4 million, with borrowing availability of $595.3 million, exceeding uninsured deposits by $819.7 million [25] Capital and Dividends - The Board of Directors announced a quarterly cash dividend of $0.31 per common share, payable on February 13, 2026 [28] - Total consolidated equity increased to $188.9 million as of December 31, 2025, up from $185.6 million at September 30, 2025 [29] Market Position - The company successfully completed a public offering of common stock in Q1 2025, raising net proceeds of $53.5 million [29] - The Bank of Clarke was categorized as well capitalized under regulatory standards as of December 31, 2025 [31]