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- **Q3 net income $5.6 million**
- **3.58% net interest margin**
- **$90 million loan originations**
- **0.74% nonperforming assets**
- **$1.04 EPS beat**
- **$5.2 million noninterest income**
- **$14.3 million NPAs resolved**
- **$4.8 million recovery**
- **$1.1 million charge-off**
- **$5.6 million net income**
- **$17.2 million net interest income**
- **$1.04 EPS**
- **$5.6 million net income**
- **$1.04 EPS**
- **$5.6 million net income**
- **$1.04 EPS**
- **$5.6 million net income**
- **$1.04 EPS**
- **$5.6 million net income**
- **$1.04 EPS**
- **$5.6 million net income**
- **$1.04 EPS**


**【CEO Opening Remarks】**
- Reported net income of $5.6 million for Q3, reflecting improved credit quality.
- Nonperforming assets declined to $14.3 million (0.74% of total assets), driven by resolution of a $4.8 million loan.
- Ongoing workout efforts on two large relationships totaling $7.7 million.

**【CFO Financial Highlights】**
- Net interest margin expanded to 3.58% (vs. 3.42% in Q2).
- Noninterest income of $5.2 million supported by wealth management and SBA loan sales.
- Core deposits declined $11.1 million due to customer business sales.

**【CFO Q&A Highlights】**
- Q4 net interest margin expected near 3.5%.
- SBA loan sales paused due to government shutdown.
- Noninterest expense up $945,000 due to salary increases.

**【Joe Zmitrovich】**
- Loan originations $90 million (up $21.3 million).
- Commercial pipeline expanded $35 million.
- Government shutdown impacting SBA lending.

**【Brandon Lorey】**
- New McLean location opened in Q3.
- M&A pipeline active with disciplined approach.
- Organic growth strategy emphasized.


Eagle Financial Services (EFSI)-24 Oct 25-2025 Q3 Earnings call transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

EFSI

EFSI fundamentals

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