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Last $23.05 USD
Change Today 0.00 / 0.00%
Volume 0.0
EFSI On Other Exchanges
As of 8:10 PM 02/2/16 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

2 East Main Street

PO Box 391

Berryville, VA 22611

United States

Phone: 540-955-2510


Eagle Financial Services, Inc. operates as the holding company for Bank of Clarke County that provides a range of retail and commercial banking services. The company has 12 full-service branches and 1 drive-through only facility. The company’s main office is located at 2 East Main Street in Berryville, Virginia. The company has offices located in Clarke County, Frederick County, Loudoun County and the city of Winchester. This market area is located in northwestern Virginia. The company offers demand, savings and time deposits and consumer, mortgage and commercial loans. Branded credit cards are offered through a larger financial institution and the company also has a merchant services program, which allows its commercial customers to accept credit card payments. The company has 16 ATM locations in its trade area and issues both ATM cards and debit cards to deposit customers. The company offers telephone banking, Internet banking, and mobile banking to its customers. Internet banking also offers online bill payment to consumer and commercial customers. The company offers other commercial deposit account services, such as ACH origination and remote deposit capture. Eagle Investment Group (EIG) offers both a trust department and investment services. The trust services division of EIG offers a range of personal and retirement plan services, which include serving as agent for bill paying and custody of assets, as investment manager with full authority or advisor, as trustee or co-trustee for trusts under will or under agreement, as trustee of life insurance trusts, as guardian or committee, as agent under a power of attorney, as executor or co-executor for estates, as custodian or investment advisor for individual retirement plans, and as trustee or trust advisor for corporate retirement plans, such as profit sharing and 401(k) plans. The brokerage division of EIG offers a range of investment services, which include tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, 529 college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services. Non-deposit investment products are offered through a third party provider. The company is also a general partner in a low income housing project. The bank is a partner in Bankers Title Shenandoah, LLC, which sells title insurance; is an investor in Virginia Bankers Insurance Center, LLC, which serves as the broker for insurance sales through its member banks; and is an investor in State Theatre Owner, LLC, which rehabilitated the State Theatre of Culpeper, Virginia. Loans One-to-Four-Family Residential Real Estate Lending: Residential lending activity might be generated by the company’s loan officer solicitations, referrals by real estate professionals, and existing or new bank customers. In connection with residential real estate loans, the company requires title insurance, hazard insurance, and if applicable, flood insurance. In addition to traditional residential mortgage loans secured by a first or junior lien on the property, the company offers home equity lines of credit. Commercial Real Estate Lending: Commercial real estate loans are secured by various types of commercial real estate in the company’s market area, including multi-family residential buildings, commercial buildings and offices, small shopping centers and churches. Construction and Land Development Lending: The company makes local construction loans, primarily residential, and land acquisition and development loans. The construction loans are secured by residential houses under construction and the underlying land for which the loan is obtained. Commercial and Industrial Lending: The company generally obtains appropriate collateral and personal guarantees from the borrower’s principal owners and monitors the financial condition of its business borrowers. Residential mortgage loans generally are made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. Consumer Lending: The company offers various secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. Securities Portfolio As of December 31, 2014, the company’s securities portfolio included obligations of U.S. government corporations and agencies; mortgage-backed securities; obligations of states and political subdivisions; and corporate securities. Deposits As of December 31, 2014, the company’s deposits included noninterest-bearing deposits; and interest-bearing deposits, such as now accounts, money market accounts, regular savings accounts, and time deposits. Supervision and Regulation As a bank holding company, the company is subject to regulation under the Bank Holding Company Act of 1956, as amended; and the examination and reporting requirements of the Board of Governors of the Federal Reserve System. As a state-chartered commercial bank, the bank is subject to regulation, supervision and examination by the Virginia State Corporation Commission’s Bureau of Financial Institutions. It is also subject to regulation, supervision and examination by the Federal Reserve Board. The bank’s deposits are insured up to applicable limits by the FDIC. History Eagle Financial Services, Inc. was founded in 1881. The company was incorporated in 1991.


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