Welcome to our dedicated page for Eagle Finl Svcs SEC filings (Ticker: EFSI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Trying to pinpoint how Eagle Financial Services Inc.’s Community Banking and niche Marine Lending portfolios affect capital ratios? Investors often ask, “Where can I read the latest Eagle Financial Services quarterly earnings report 10-Q filing?” or “Which directors sold shares in the most recent Eagle Financial Services insider trading Form 4 transactions?” This filings hub answers those questions first. From loan loss provisions to regional deposit trends, every disclosure the Bank of Clarke holding company files with the SEC is indexed here the moment it hits EDGAR.
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Eagle Financial Services (EFSI) reported Q3 results and balance sheet data as of September 30, 2025. Total assets were $1.93 billion, with total deposits at $1.66 billion. Cash and cash equivalents rose to $268.1 million. Loans were $1.46 billion with an allowance for credit losses of $14.8 million, resulting in net loans of $1.45 billion.
For the quarter, total interest and dividend income was $25.9 million versus $23.7 million a year ago, while interest expense declined to $8.7 million from $10.5 million. This lifted net interest income to $17.2 million from $13.2 million. The provision for credit losses was $1.1 million, down from $1.5 million.
Noninterest income for the quarter was $5.2 million, slightly below last year. Year‑to‑date, noninterest income reflects a $12.4 million loss on the sale of securities. Long-term Federal Home Loan Bank advances decreased to $40.0 million from $95.0 million, and accumulated other comprehensive loss improved to $(5.6) million from $(18.6) million. Shares outstanding were 5,376,346 as of November 7, 2025.
Eagle Financial Services, Inc. (EFSI) reported an insider transaction by director Scott M. Hamberger. On 11/12/2025, he transferred 9,467 shares of common stock to the Megan McMullen Hamberger Revocable Living Trust as a gift for no consideration. He is the trustee and remains the beneficial owner of the trust-held shares.
Following the transaction, 874.716 shares were listed as directly owned, and 9,467 shares were held indirectly by the trust. The filing notes that holdings include shares acquired through the Company’s Dividend Investment Plan.
Eagle Financial Services (EFSI) director John D Stokely Jr reported open-market sales of common stock. On 10/29/2025, he sold 5,815 shares at $36.6 from an indirect account as Trustee, leaving 0 indirectly owned. The same day, he sold 78 shares at $36.6 from his direct holdings and reported 13,368.819 shares directly owned afterward.
Footnote indicates the reported direct holdings include shares acquired through the Company’s Dividend Investment Plan.
Eagle Financial Services, Inc. (EFSI) furnished an update on third‑quarter results. The company announced results for the quarter ended September 30, 2025, and provided a press release (Exhibit 99.1) and an investor presentation (Exhibit 99.2). Eagle Financial will host a conference call on Friday, October 24, 2025 at 10 a.m. Eastern Time to discuss the quarter. The information under Items 2.02 and 7.01 is furnished and not deemed filed under the Exchange Act.
Eagle Financial Services, Inc. reported a strong second quarter operating performance with Q2 net income of $5.27 million, up from $3.19 million a year earlier, and improved net interest income of $15.70 million vs. $12.16 million. The balance sheet expanded: total assets climbed to $2.035 billion from $1.866 billion, deposits rose to $1.766 billion (up from $1.575 billion) and cash and cash equivalents increased to $396.0 million from $193.2 million.
For the six months ended June 30, 2025 the company recorded a $12.425 million net realized pre-tax loss on sales of available-for-sale securities during March repositioning, producing a six-month net loss of $1.704 million versus prior-year six-month income of $5.733 million. Management completed a public offering that generated $53.5 million net proceeds and increased shareholders' equity to $179.6 million from $119.0 million. The allowance for credit losses was $15.98 million and nonaccrual loans totaled $16.735 million at June 30, 2025.
Eagle Financial Services (EFSI) filed a Form 4 reporting two small insider transactions by executive officer Kathleen S. Croson on 20 June 2025.
- 37 common shares were disposed of at $0 pursuant to the company’s Stock Incentive Plan (code D).
- 46 common shares were withheld at $36.25 per share (≈ $1.7 k total) to satisfy tax obligations (code F).
Following the transactions, Croson directly owns 5,174 shares of EFSI common stock. No derivative securities or additional 10b5-1 trading arrangements were disclosed.
The combined 83-share reduction represents roughly 1.6 % of her post-transaction holdings and does not constitute a material change in overall insider ownership.
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