Eagle Financial Services Inc. reported consolidated net income of $5.58 million for the third quarter ended September 30, 2025, compared to $3.79 million in the same period in 2024. Net interest margin increased to 3.58% from 3.03% a year earlier and 3.42% in the previous quarter. Net interest income rose by $1.5 million, or 9.6%, during the quarter to $17.2 million compared to the second quarter of 2025. Mortgage and SBA loan sales totaled $21.5 million and $6.1 million, respectively, with combined gains on sale of $1.0 million recognized during the quarter. The efficiency ratio declined to 64.06% from 64.91% in the previous quarter. Loans, net of allowance for credit losses, increased by $22.5 million during the quarter. The company announced a quarterly cash dividend of $0.31 per share, payable on November 14, 2025, to shareholders of record on November 3, 2025.