<span item_type="fundamental" item_id="4dd4555e422ff959d7fd5a9e691b5142" counter_id="ST/US/EFSI" env="prod"></span><span item_type="announcement" item_id="541837015228817281" env="prod"></span><p>EPS: As of FY2025 Q2, the actual value is USD 0.98.</p><p>EBIT: As of FY2025 Q2, the actual value is USD 6.548 M.</p><p></p><h3>Net Income</h3><ul><li>Consolidated net income for the quarter ended June 30, 2025 was $5.3 million, compared to - $7.0 million for the quarter ended March 31, 2025, and $3.2 million for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul><h3>Noninterest Income</h3><ul><li>Consolidated noninterest income for the quarter ended June 30, 2025 was $4.9 million, compared to - $8.6 million for the quarter ended March 31, 2025, and $4.3 million for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul><h3>Return on Equity and Assets</h3><ul><li>Annualized return on average equity was 11.93% for the quarter ended June 30, 2025, compared to - 20.75% for the quarter ended March 31, 2025, and 11.89% for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li><li>Annualized return on average assets was 1.09% for the quarter ended June 30, 2025, compared to - 1.48% for the quarter ended March 31, 2025, and 0.72% for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul><h3>Net Interest Margin</h3><ul><li>Net interest margin was 3.42% for the quarter ended June 30, 2025, compared to 2.98% for the quarter ended March 31, 2025, and 2.92% for the quarter ended June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul><h3>Efficiency Ratio</h3><ul><li>Efficiency ratio decreased from 72.20% to 64.91% during the quarter ended June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul><h3>Loan and Deposit Growth</h3><ul><li>Total net loans decreased $14.3 million from $1.44 billion at March 31, 2025 to $1.42 billion at June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li><li>Total deposits increased to $1.77 billion as of June 30, 2025, compared to $1.61 billion at March 31, 2025, and $1.49 billion at June 30, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul><h3>Asset Quality</h3><ul><li>Nonperforming assets increased from $16.4 million or 0.86% of total assets at March 31, 2025 to $17.5 million or 0.86% of total assets at June 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul><h3>Outlook</h3><ul><li>The company expects continued transition from higher-cost borrowings to lower-cost deposits to strengthen its funding profile and position for long-term balance sheet efficiency.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li><li>The strategic repositioning of the securities portfolio contributed to a 44-basis point expansion in net interest margin.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li><li>The company is working to retain large deposits from sales proceeds of two customer’s businesses long-term, but is currently unsure what portion of the funds will remain at the Bank and for how long.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/880641/000095017025098360/efsi-ex99_1.htm"></span></li></ul>

Eagle Financial Services | 8-K: FY2025 Q2 EPS: USD 0.98