Eagle Financial Services Inc · NASDAQ:EFSI
Eagle Financial Services — Q2 2026 Earnings Presentation
14 slides from Eagle Financial Services's earnings presentation, Jul 23, 2026
Slide 1: Earnings Presentation 2nd Quarter 2026
Earnings Presentation Eagle Financial 2nd Quarter 2026 Services, Inc.
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: The EFSI Story and 2nd Quarter 2026 Financial Highlights
Company Overview The EFSI Story 2nd Quarter 2026 Financial Highlights WASHINGTON DC Arlington Annapolis Baltimore MARYLAND 95 81 EFSI Branches (14) EFSI LPO (1) VIRGINIA Berryville Winchester Eagle Financial Services, Inc. is the parent company for Bank of Clarke, and was established over 140 years
Slide 4: Investment Highlights
Experienced Leadership Team Attractive Markets of Operation Deep management team with community and regional banking experience in the Mid Atlantic Insider ownership of ~7% as of 12/31/25 aligns shareholder interest with decision making Operate in 2 of the top 10 highest household income counties in
Slide 5: Balance Sheet Growth
Gross Loans ($M) (1) Balance Sheet Growth Total Assets ($M) Total Deposits ($M) Source: Company documents; quarterly data as of or for the three months ended each period (1) Gross loans includes held for investment and held for sale loans
Slide 6: Deposit Portfolio
Deposit Portfolio Cost of Deposits (%) Deposit Composition Over Time ($M) Deposit Composition Core deposits (1) continue to fuel our organic loan growth Continued focus on commercial deposits; recently expanded treasury management product suite Implementing niche deposit gathering opportunities Bank
Slide 7: Loan Portfolio
Loan Portfolio Loan Composition C&D: 35% CRE: 195% Continued focus on providing credit to small- and 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 commercial bankers throug
Slide 8: Asset Quality
Asset Quality Nonperforming Assets by Type ($M) Reserves / Loans (%) 0.02% (0.00)% 0.15% Comprehensive and conservative underwriting process Highly experienced bankers incentivized with equity ownership Commitment to a diverse loan portfolio while maintaining strong asset quality metrics Proactive a
Slide 9: Earnings, Book Value and Dividends
Earnings, Book Value and Dividends Earnings per Share ($) Net Income ($M) Dividend per Share ($) Tangible Book Value per Share ($)(1) Source: Company documents; data as of or for the year ended each period See appendix for reconciliation of non-GAAP metrics Core income defined as net income after ta
Slide 10: Yield and Cost Analysis
Yield and Cost Analysis Source: Company documents; quarterly data for the three months ended each quarter
Slide 11: Profitability Metrics
Profitability Metrics Return on Average Assets (ROAA)(%) Core Noninterest Income / AA and NIE / AA (%) Return on Average Equity (ROAE) (%) Efficiency Ratio (%) (1) Core Noninterest Income / Revenue Source: Company documents; data for the year ended each period; quarterly data for each quarter ended,
Slide 12: Capital Ratios
Bank Level Leverage Ratio (%) Tangible Common Equity / Tangible Assets (%) Capital Ratios CET1 Ratio (%) Total Risk-Based Capital Ratio (%) Source: Company documents; quarterly data as of or for the three months ended each period See appendix for reconciliation of non-GAAP metrics (1) Pro Forma (2)
Slide 13: Non-GAAP Reconciliation
Non-GAAP Reconciliation Source: Company documents Note: Numbers may not match due to rounding PTPP income defined as pre-tax, pre-provision income (1)
Slide 14: Non-GAAP Reconciliation
Non-GAAP Reconciliation Source: Company documents Note: Core net income additions and exclusions assume 21% tax rate for illustrative purposes Note: Quarterly ratios shown on an annualized basis Note: Calculations may not match due to rounding
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