Eagle Financial Services Inc · NASDAQ:EFSI
Eagle Financial Services — Q1 2026 Earnings Presentation
14 slides from Eagle Financial Services's earnings presentation, Apr 24, 2026
Slide 1: Earnings Presentation 1st Quarter 2026
Earnings Presentation 1st Quarter 2026
Slide 2: Forward Looking Statements
Forward Looking Statements Forward Looking Statements Certain information contained in this Presentation (together with oral statements made in connection herewith, this “Presentation”) may include “forward-looking statements” within the meaning of the “safe harbor” provisions of the United States P
Slide 3: Company Overview
Company Overview The EFSI Story MARYLAND • Eagle Financial Services, Inc. is the parent company for Bank Baltimore of Clarke, and was established over 140 years ago Winchester Annapolis • Commercial focused banking institution operating in several Berryville WASHINGTON DC of the country’s most attra
Slide 4: Investment Highlights
Investment Highlights Experienced Leadership Team • Deep management team with community and regional banking experience in the Mid Atlantic Experienced • Insider ownership of ~7% as of 12/31/25 aligns shareholder interest Leadership Team with decision making Attractive Markets of Operation • Operate
Slide 5: Balance Sheet Growth
Balance Sheet Growth Total Assets ($M) Gross Loans ($M) (1) Total Deposits ($M) Source: Company documents; quarterly data as of or for the three months ended each period 5 (1) Gross loans includes held for investment and held for sale loans
Slide 6: Deposit Portfolio
Deposit Portfolio Deposit Composition Deposit Composition Over Time ($M) Q1 ’26 Total Q1 ’26 Cost of Deposits: $1.6B Deposits: 1.84% $1,767 $1,614 $1,655 $1,607 $1,598 Cost of Deposits (%) • Core deposits (1) continue to fuel our organic loan growth • Continued focus on commercial deposits; recently
Slide 7: Loan Portfolio
Loan Portfolio Loan Composition Loan Focus C&D: 29% • Continued focus on providing credit to small- and CRE: 192% medium-sized businesses • Currently prioritizing C&I over owner-occupied lending • No shared national credit exposure and limited exposure to purchased and participated loans • 16 commer
Slide 8: Asset Quality
Asset Quality • Comprehensive and Nonperforming Assets by Type ($M) conservative underwriting process • Highly experienced bankers incentivized with equity ownership • Commitment to a diverse loan portfolio while (1) (1) maintaining strong asset Reserves / Loans (%) quality metrics • Proactive appro
Slide 9: Earnings, Book Value and Dividends
Earnings, Book Value and Dividends Net Income ($M) Earnings per Share ($) (1) (2) (1) (2) Dividend per Share ($) Tangible Book Value per Share ($)(1) Source: Company documents; data as of or for the year ended each period (1) See appendix for reconciliation of non-GAAP metrics (2) Core income define
Slide 10: Yield and Cost Analysis
Yield and Cost Analysis 10 Source: Company documents; quarterly data for the three months ended each quarter
Slide 11: Profitability Metrics
Profitability Metrics Return on Average Assets (ROAA)(%) Return on Average Equity (ROAE) (%) (1)(2) (1) (2) Efficiency Ratio (%) (1) Core Noninterest Income / AA and NIE / AA (%) (3) Core Noninterest Income / Revenue 22.5% 23.9% 23.1% 23.9% 23.7% Source: Company documents; data for the year ended ea
Slide 12: Capital Ratios
Capital Ratios Tangible Common Equity / Tangible Assets (%) Bank Level Leverage Ratio (%) (1) CET1 Ratio (%) Total Risk-Based Capital Ratio (%) Source: Company documents; quarterly data as of or for the three months ended each period 12 (1) See appendix for reconciliation of non-GAAP metrics
Slide 13: Non-GAAP Reconciliation
Non-GAAP Reconciliation March 31, June 30, September 30, December 31, March 31, Dollars in millions except per share data 2025 2025 2025 2025 2026 PTPP Income (1) Net Interest Income (GAAP) $13,336 $15,698 $17,199 $16,381 $15,903 Plus: Noninterest Income (8,554) 4,917 5,165 5,355 4,928 Total Revenue
Slide 14: Non-GAAP Reconciliation
Non-GAAP Reconciliation March 31, June 30, September 30, December 31, March 31, Dollars in millions except per share data 2025 2025 2025 2025 2026 Core Net Income Net Income ($6,974) $5,270 $5,584 $4,334 $3,740 Less: Gain (Loss) on the Sale of Bank Premises & Equipment (FTE) 0 0 0 0 0 Plus: Loss (Ga
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