kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (July 24, 2025) – Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke, whose divisions include Bank of Clarke Wealth Management, announced its second quarter 2025 results. On July 24, 2025, the Board of Directors announced a quarterly common stock cash dividend of $0.31 per common share, payable on August 15, 2025, to shareholders of record on August 4, 2025. The following table presents selected financial perf ...

核心财务表现 - 2025年第二季度净收入达530万美元，每股收益0.98美元，符合预期 [2] - 净利息收入环比增长17.7%至1570万美元，同比增长29.1% [9] - 净息差从一季度2.98%扩大44个基点至二季度3.42% [10] - 年化平均资产回报率1.09%，平均权益回报率11.93% [1] 资产负债表与资本管理 - 总资产环比增长6.86%至20.4亿美元，主要受现金及等价物增加1.311亿美元驱动 [19] - 贷款总额环比下降1430万美元至14.2亿美元，主要因商业贷款减少640万美元及建设贷款转化 [20] - 存款环比增长1.527亿美元至17.7亿美元，核心存款增长670万美元 [21] - 完成公开发行179.7万股，净融资5350万美元，推动总权益增至1.796亿美元 [26] 资产质量与信贷风险 - 不良资产环比增加110万美元至1750万美元，占总资产0.86% [13] - 信贷损失准备金环比增加69.7万美元至1598万美元，占贷款总额比例从1.05%升至1.11% [18] - 特定准备金从一季度15.2万美元大幅增至二季度150万美元，主要针对两笔大额不良贷款 [16] 业务运营亮点 - 证券组合重组推动投资收益率从一季度2.93%提升144个基点至二季度4.37% [5] - 贷款利息收入环比增长2.2%至2040万美元，平均贷款收益率提升10个基点至5.67% [4] - SBA贷款销售840万美元实现71.2万美元收益，推动非利息收入增至490万美元 [11] - 效率比率从72.20%改善至64.91%，反映运营效率提升 [6] 流动性及监管资本 - 流动性资产达5.359亿美元，超过未保险存款1.955亿美元的274% [22] - 短期借款减少2480万美元至6970万美元，主要得益于存款增长 [23] - 银行资本充足率远超监管要求，被FDIC列为"资本充足"机构 [28] 股息与股东回报 - 董事会宣布季度现金股息每股0.31美元，将于2025年8月15日支付 [1] - 股息支付率为31.63%，保持稳定分红政策 [34]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-42512 EAGLE FINANCIAL SERVICES, INC. (Exact name of registrant as specified in its charter) Virginia 54-1601306 (State or other ...

Exhibit 99.1 EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2025 FIRST QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND Contact: Kathleen J. Chappell, Executive Vice President and CFO 540-955-2510 kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (April 25, 2025) – Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke, whose divisions include Bank of Clarke Wealth Management, announced its first quarter 2025 results. On April 23, 2025, the Board of Directors announced ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-42512 EAGLE FINANCIAL SERVICES, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation or organization) 2 East Main ...

Exhibit 99.1 EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2024 FOURTH QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND Contact: Kathleen J. Chappell, Executive Vice President and CFO 540-955-2510 kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (January 24, 2025) – Eagle Financial Services, Inc. (OTCQX: EFSI), the holding company for Bank of Clarke, whose divisions include Bank of Clarke Wealth Management, announced its fourth quarter 2024 results. On January 22, 2025, the Board of Directors announced a quarterl ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-20146 EAGLE FINANCIAL SERVICES, INC. (Exact name of registrant as specified in its charter) Virginia 54-1601306 (State or oth ...

Exhibit 99.1 Key highlights for the third quarter of 2024 are as follows: EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2024 THIRD QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND Contact: Kathleen J. Chappell, Executive Vice President and CFO 540-955-2510 kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (October 25, 2024) – Eagle Financial Services, Inc. (OTCQX: EFSI), the holding company for Bank of Clarke, whose divisions include Bank of Clarke Wealth Management, announced its third quarter 2024 results. On Oc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) EAGLE FINANCIAL SERVICES, INC. (Exact name of registrant as specified in its charter) Virginia 54-1601306 (State or other jurisdiction of incorporation or organization) 2 East Main Street P.O. Box 391 Berryville, VA 22611 (Address of principal executive offices) (Zip Code) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANS ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 0-20146 EAGLE FINANCIAL SERVICES, INC. (Exact name of registrant as specified in its charter) Virginia 54-1601306 (State or other j ...