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. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    27 risks2 new1 dropped6 reworded

    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