| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 14,500 | 13,942 | 15,558 | 17,401 |
| Interest-bearing deposits with other institutions | 94,974 | 103,984 | 189,119 | 260,568 |
| Federal funds sold | 80,293 | 99,268 | 63,452 | 118,033 |
| Total cash and cash equivalents | 189,767 | 217,194 | 268,129 | 396,002 |
| Securities available for sale, at fair value, amortized cost of 122,916 and 126,197, respectively | 115,370 | 119,543 | 121,379 | 120,907 |
| Restricted investments, at cost | 1,875 | 3,786 | 3,786 | 3,786 |
| Loans held for sale | 5,214 | 4,786 | 3,479 | 3,302 |
| Loans | 1,458,859 | 1,473,077 | 1,459,928 | 1,438,632 |
| Allowance for credit losses | 17,326 | 15,320 | 14,810 | 15,979 |
| Net loans | 1,441,533 | 1,457,757 | 1,445,118 | 1,422,653 |
| Bank premises and equipment, gross | NaN | 30,432 | NaN | NaN |
| Less accumulated depreciation | NaN | 15,526 | NaN | NaN |
| Bank premises and equipment, net | 14,911 | 14,906 | 14,878 | 14,693 |
| Bank owned life insurance | 32,004 | 31,720 | 31,440 | 31,172 |
| Other assets | 37,686 | 38,934 | 44,264 | 42,565 |
| Total assets | 1,838,360 | 1,888,626 | 1,932,473 | 2,035,080 |
| Noninterest bearing demand deposits | 455,107 | 432,171 | 521,149 | 574,596 |
| Savings and interest bearing demand deposits | 728,322 | 728,545 | 687,530 | 728,370 |
| Time deposits | 414,790 | 446,644 | 446,369 | 463,558 |
| Total deposits | 1,598,219 | 1,607,360 | 1,655,048 | 1,766,524 |
| Federal funds purchased | NaN | NaN | 101 | 172 |
| Federal home loan bank advances, short-term | NaN | 0 | 0 | 0 |
| Federal home loan bank advances, long-term | 0 | 40,000 | 40,000 | 40,000 |
| Subordinated debt, net of unamortized issuance costs | 29,596 | 29,579 | 29,562 | 29,545 |
| Other liabilities | 20,219 | 22,848 | 22,181 | 19,191 |
| Total liabilities | 1,648,034 | 1,699,787 | 1,746,892 | 1,855,432 |
| Preferred stock, 10 par value 500,000 shares authorized and unissued | 0 | 0 | 0 | 0 |
| Common stock, 2.50 par value authorized 10,000,000 shares issued and outstanding 2026, 5,412,376 including 87,673 shares of unvested restricted stock issued and outstanding 2025, 5,374,205 including 68,476 shares of unvested restricted stock | 13,311 | 13,264 | 13,260 | 13,260 |
| Surplus | 64,802 | 64,720 | 64,458 | 64,154 |
| Retained earnings | 118,178 | 116,115 | 113,448 | 109,530 |
| Accumulated other comprehensive loss | -5,965 | -5,260 | -5,585 | -7,296 |
| Total shareholders equity | 190,326 | 188,839 | 185,581 | 179,648 |
| Total liabilities and shareholders equity | 1,838,360 | 1,888,626 | 1,932,473 | 2,035,080 |
EAGLE FINANCIAL SERVICES INC (EFSI)
EAGLE FINANCIAL SERVICES INC (EFSI)