Every 10-Q that Eagle Financial Services Inc (EFSI) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow EFSI and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full EFSI filings page.
Eagle Financial Services, Inc. reported solid profitability for the three and six months ended June 30, 2026. For the quarter, net income was $4.98 million versus $5.27 million a year earlier, with basic and diluted EPS of $0.92 compared with $0.98. Net interest income rose to $16.97 million from $15.70 million, but a higher provision for credit losses of $3.50 million reduced net interest income after provision.
For the first six months of 2026, the company earned $8.72 million, a strong improvement from a net loss of $1.70 million in the prior-year period, with EPS of $1.61 versus a loss of $0.34. Noninterest income rebounded to $13.52 million from a loss of $3.64 million, helped by a $3.49 million gain on sale of other assets and the absence of the large securities loss recorded in 2025. Total assets were $1.85 billion, deposits were $1.60 billion, and loans net of the allowance were $1.48 billion at June 30, 2026. Shareholders’ equity increased to $193.9 million, with 5,411,615 common shares outstanding.
Eagle Financial Services, Inc. reported net income of $3.7 million for the three months ended March 31, 2026, compared with a net loss of $7.0 million a year earlier. The prior-year period included a large realized loss on securities sales.
Total interest and dividend income was $23.8 million, while interest expense fell to $7.9 million, lifting net interest income to $15.9 million from $13.3 million. The provision for credit losses increased to $2.0 million, and the allowance for credit losses on loans rose to $17.3 million.
Total assets were $1.84 billion at March 31, 2026, down from $1.89 billion at year-end 2025, as cash and cash equivalents declined and loans decreased modestly. Deposits were $1.60 billion, and shareholders’ equity grew to $190.3 million, supported by retained earnings despite continued unrealized losses in the securities portfolio.
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. 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.