Eagle Financial Services (EFSI) investor relations material

Executive summary

• Q3 2025 net income was $5.6 million, up 6.0% sequentially and 63.1% year-over-year, reflecting improved funding composition, higher net interest income, and wealth management fees.

• The company operates in high-income, high-growth markets with a scalable, commercial-focused model and a 140+ year history.

• Maintains dominant deposit market share in core regions and continues to expand its footprint.

• Book value per share increased to $34.52, and total equity reached $185.6 million, supported by a successful public offering.

• Positive outlook maintained for the remainder of 2025, with confidence in performance trajectory.

Financial highlights

• Net income for Q3 2025 was $5.6 million, or $1.04 per diluted share; ROAA at 1.10%, ROAE at 12.2%.

• Net interest income rose to $17.2 million, up 9.6% sequentially and 30.7% year-over-year; NIM improved to 3.58%.

• Noninterest income totaled $5.2 million, up from $4.9 million in Q2, driven by wealth management, trust services, and loan sales.

• Efficiency ratio improved to 64.06% in Q3 2025.

• Deposits totaled $1.66B, down 6.3% from Q2 2025; core deposits represent 79% of total.

Outlook and guidance

• Net interest margin expected to remain near 3.5% in Q4; gain on sales of loans may be impacted by government shutdown pausing SBA loan settlement.

• Management focused on operational efficiency, cost control, technology adoption, and core deposit expansion.

• Long-term goals include maximizing operating earnings, digital experience, and market leadership in commercial banking.

• Steady commercial loan growth anticipated through year-end.

• Cautionary note on forward-looking statements highlights risks from economic, regulatory, and market conditions.