Risk factors

Eagle Financial Services (EFSI) risk factors

Item 1A of every Eagle Financial Services Inc. 10-K on file, and what changed from one year to the next.

Open EFSI in Gloomberb →
  • FY2025 10-K risk factors

    27 risks, 2 new, 1 dropped, 6 reworded since the prior year. Inflation now threatens securities values, funding and staffing costs, product demand, and customers’ loan repayment ability.

    Filed Mar 16, 2026
  • FY2024 10-K risk factors

    26 risks. Real estate loans total $1.1 billion or 75.1% of the portfolio, driving credit risk concentration.

    Filed Mar 31, 2025