What Eclipse Bank does

Eclipse Bank, Inc. is a privately held community bank founded in 2006 and headquartered at 3827 Shelbyville Road in Louisville, Kentucky, with approximately 200 shareholders and 51-100 employees. The bank operates in two primary markets: Louisville, KY and Johnson City, TN, serving individual consumers, small and medium-sized businesses, and high-net-worth clients through three business units: personal banking, business banking, and private banking. The product portfolio includes four tiers of personal checking accounts (Solara, Opulent, Impact, Prosperity), five savings products (including CDs, money market, and IRAs), five personal loan products (mortgages, construction, HELOC, auto/RV, personal term loans), five business checking accounts, three business loan categories (commercial real estate, lines of credit, term loans), and seven business service modules (ACH, wire transfers, merchant card services, remote deposit capture, business bill pay, Positive Pay, and digital banking).

The bank's technology infrastructure is built on a third-party hosted digital banking platform (web10.secureinternetbank.com) providing online and mobile banking with encryption, multifactor authentication, and firewall security. The website is WCAG 2.2 Level AA compliant with AudioEye certification for accessibility. Zelle integration supports peer-to-peer payments. No proprietary APIs or developer-facing platforms are offered.

Eclipse Bank generates revenue through traditional community banking channels: net interest income from lending products (mortgages, commercial real estate, HELOCs, auto, construction, business term loans, lines of credit), fee-based income from deposit accounts and treasury management services (ACH, wire transfers, merchant card services, remote deposit capture), and wealth management fees from private banking. The bank is designated as an SBA Preferred Lending Partner, providing enhanced access to SBA 7(a) and 504 loan programs. Distribution combines physical branches in both markets with digital and mobile channels. Leadership includes President and CEO Andrew Pyles, EVP/CFO Brian Karst, and EVP/CAO Carla Sturgeon.

Name

Eclipse Bank

Legal name

Eclipse Bank, Inc.

Website

https://eclipsebank.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

51–100 employees

Short description

Eclipse Bank is a privately held community bank founded in 2006, headquartered in Louisville, KY with a secondary market in Johnson City, TN. It serves consumers, small and medium-sized businesses, and high-net-worth individuals across personal banking, business banking, and private banking verticals.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking
• Personal banking
• Business banking
• Commercial lending
• Private banking

Headquarters

HQ city

Louisville

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Interest earned on loan products including mortgages, personal loans, auto loans, HELOCs, construction loans, and commercial real estate loans
2. Deposit Services: Fee-based income from checking accounts, savings accounts, money market accounts, and CDs
3. Business Services: Fees from ACH transfers, wire transfers, merchant card services, remote deposit capture, and business bill pay
4. Private Banking: Wealth management and private banking services for high-net-worth individuals

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Eclipse Bank is a community bank that provides personal banking (checking accounts, savings, CDs, IRAs, mortgages, HELOCs, auto/RV and personal loans), business banking (business checking, money market, CDs, commercial real estate loans, lines of credit, business term loans, ACH/wire/merchant card/bill pay services, Positive Pay, and Remote Deposit Capture), and private banking for high-net-worth individuals. The bank serves the Louisville, KY and Johnson City, TN markets through physical branches, online banking, and mobile banking channels.

Product overview

Eclipse Bank is a community bank offering a unified portfolio of personal and business banking products. Personal banking includes four checking accounts (Solara, Opulent, Impact, Prosperity), five savings products (Classic Savings, Money Market, CDs, Eclipse Investment Savings, IRAs), and five loan products (Home Mortgages, Construction Loans, HELOCs, Auto/RV Loans, Personal Term Loans). Business banking encompasses five checking accounts (Free, Classic, Analysis, Interest, Charitable), two business savings products, three loan products (Commercial Real Estate, Lines of Credit, Term Loans), and seven service modules including Digital Banking, ACH Transfers, Remote Deposit Capture, Wire Transfers, Merchant Card Services, Business Bill Pay, and Positive Pay. The bank also offers Private Banking for high-net-worth clients. Zelle integration enables peer-to-peer payments. The portfolio is complemented by Digital Banking (online/mobile access) and Zelle as shared services.

Differentiator

Problem solved

Functional benefit

Brands

• Solara (Free Checking): Free checking account with no hidden fees and no minimum balance requirements.
• Opulent (Interest Checking)
• Impact (Community Checking)
• Prosperity (Bundled Checking & Savings)

Products and services

• Personal Checking Accounts Suite of personal checking accounts including Solara Free Checking, Opulent Interest Checking, Impact Community Checking, and Prosperity Bundled Checking & Savings, designed for everyday personal banking needs of individual consumers in Louisville, KY and Johnson City, TN.
• Personal Savings & Retirement Accounts Personal savings and retirement products including Classic Savings, Money Market Accounts, Certificates of Deposit (CDs), Eclipse Investment Savings, and Individual Retirement Accounts (IRAs) for individual consumers.
• Home Mortgage Loans Mortgage loans for purchasing homes, underwritten by local mortgage lenders for individual consumers in the Louisville market.
• Construction Loans Financing for residential construction projects with competitive rates and interest-only payments during the build phase, for individual borrowers building homes.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured by home equity with variable rates and flexible access to funds, for individual homeowners (maximum APR 21%).
• Auto and Recreational Vehicle (RV) Loans Financing for new or used vehicles including cars, trucks, and recreational vehicles with competitive rates for individual borrowers.
• Personal Term Loans Fixed-rate personal loans for vehicle repairs, vacations, special events, and debt consolidation with quick local approvals for individual borrowers.
• Business Checking Accounts Suite of business checking accounts including Free, Classic, Analysis, Interest, and Charitable Interest Checking variants, for businesses and nonprofit organizations in the Eclipse Bank service area.
• Business Savings Products Business savings products including Business Money Market Accounts and Business Certificates of Deposit (CDs) for higher-yield returns on business funds.
• Commercial Real Estate Loans Loans for commercial property acquisition, development, and refinancing for businesses and commercial real estate developers.
• Business Lines of Credit Revolving credit facilities for businesses to manage cash flow and unexpected expenses.
• Business Term Loans Fixed-term financing for business growth, equipment purchases, and expansion needs.
• ACH Transfer Services Electronic payment processing service for direct deposits and vendor payments offered to business customers.
• Remote Deposit Capture Service allowing businesses to deposit checks remotely using scanning technology, eliminating branch visits for check deposits.
• Wire Transfer Services Same-day electronic funds transfer service for domestic and international payments offered to business customers.
• Merchant Card Services Payment processing service enabling businesses to accept credit and debit card transactions.
• Private Banking Personalized banking and wealth management services for high-net-worth individuals and families, delivered through high-touch relationship/private banker engagement.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core and minor.

• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerEclipse Bank designated as SBA Preferred Lending Partner, enhancing access to capital for small businesses in their service area through SBA loan programs including 7(a) and 504 loans.
• Independent Community Bankers of America (ICBA)minorStrategic or Co-development PartnerCEO Andrew Pyles contributed to ICBA's AI Security Readiness Guide, providing thought leadership on artificial intelligence security for community banks.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stock Yards Bank & Trust: Louisville-headquartered community bank offering personal, business, and wealth management banking services across Kentucky and Indiana. Highly comparable to Eclipse Bank in geography, product mix, and relationship-banking model, though larger in asset scale.
• Republic Bank & Trust Company: Louisville-based community bank providing personal, business, and private banking across Kentucky and the broader Midwest. Notably referenced in Eclipse Bank's management team background (CAO Carla Sturgeon led loan operations there), making it a direct operational and market peer.
• Forcht Bank: Kentucky-headquartered community bank serving individuals and businesses across multiple Kentucky markets. Comparable to Eclipse Bank in community-banking focus, multi-market Kentucky presence, and SMB lending orientation.
• Community Trust Bank: Kentucky-based community bank with personal, business, and wealth management services across Kentucky, Tennessee, and West Virginia. Comparable given overlapping Tennessee market presence (Johnson City) and similar community-bank product suite.
• Independence Bank of Kentucky: Kentucky-headquartered community bank offering personal, business, and SBA lending services with comparable community-banking approach and product mix to Eclipse Bank.

Regional players

• PBTC Bank: Tennessee-based community bank serving the Johnson City area and surrounding East Tennessee markets. Comparable to Eclipse Bank's Johnson City footprint and similar size/community-banking model.
• South Central Bank of Kentucky: Kentucky-based community bank headquartered in Glasgow serving central and western Kentucky. Similar community-banking model and SME/commercial lending focus as Eclipse Bank, primarily competing in adjacent Kentucky regions.

Broad incumbents

• German American Bank: Indiana and Kentucky-headquartered regional bank with full personal, business, and wealth management banking. Larger and broader geography than Eclipse Bank but competes directly for Kentucky small business and consumer relationships.
• WesBanco, Inc. Multi-state community-focused bank holding company with operations across Kentucky, Ohio, Pennsylvania, and West Virginia. Comparable multi-segment product platform but significantly larger and broader geographic footprint than Eclipse Bank.
• First Financial Bank: Midwest community-oriented bank with Kentucky operations including personal, business, and wealth banking. Broader geographic and asset scale than Eclipse Bank but overlapping Louisville-area customer base.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/eclipsebanklouisville
• Xx.com/eclipsebank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eclipse Bank