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Eaglebank

Bethesda, MD · Cert 34742 · Eagle Bcorp Inc.

State charter, Fed member · FED · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eaglebank

Bethesda, MD · Cert 34742 · Eagle Bcorp Inc.

State charter, Fed member · FED · 13 branches

Q2 2026

$9.6BAssets
$6.7BLoans
$8.2BDeposits
$1.2BEquity
Loan mix
83%RE $5.3B17%C&I $1.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $6.6B19%Noninterest $1.6BQ2 2025Q2 2026

NIM

5.50%Q2 ’245.03%Q2 ’254.87%Q2 ’26-4%+9%

Non-interest income vs. expense

2.97%Q2 ’241.45%Q2 ’251.71%Q2 ’26-59%+8%

Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 2.7% share · #8 of 71 inst. · $8.2B of $301.4B

11.3% Montgomery
2.3% District of Columbia
6.8% Fairfax (City)
0.2% Fairfax

Executive Summary

  • Earnings: ROA of 0.52%, up 170 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 2.05% of loans (-115 bps YoY), with net charge-offs at 2.21%.
  • Capital: tier 1 leverage ratio of 11.49%, up 71 bps from a year ago.
  • Funding: loans stand at 81.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.52%+170 bps YoY

Net Interest Margin (YTD, annualized)

2.46%+21 bps YoY

Efficiency Ratio (YTD, annualized)

58.90%+171 bps YoY

Tier 1 Leverage Ratio

11.49%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.18%-1.59%-1.20%0.66%0.52%+170 bps
Return on Equity-10.49%-14.38%-10.84%5.81%4.50%+1,499 bps
Net Interest Margin2.25%2.35%2.30%2.36%2.46%+21 bps
Efficiency Ratio57.19%56.61%63.82%61.13%58.90%+171 bps
Non-Interest Burden1.17%1.22%1.36%1.25%1.25%+9 bps
Growth
Asset Growth (YoY)-6.20%-4.14%-5.72%-12.11%-8.83%-263 bps
Loan Growth (YoY)-3.09%-6.64%-7.11%-12.12%-14.01%-1,092 bps
Deposit Growth (YoY)9.98%10.56%-0.13%-7.48%-10.20%-2,019 bps
Asset Quality
Nonperforming Loans / Loans3.21%3.23%2.68%2.63%2.05%-115 bps
Net Charge-Offs / Loans2.45%4.23%3.37%1.48%2.21%-24 bps
Allowance / Loans2.37%2.10%2.17%2.10%1.82%-55 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.8x0.9x+0.1x
Capital
Tier 1 Leverage Ratio10.78%10.57%9.92%10.87%11.49%+71 bps
Total Risk-Based Capital15.51%15.11%14.61%15.39%16.20%+70 bps
Equity / Assets11.36%10.58%11.00%11.77%12.19%+83 bps
Liquidity & Funding
Loans / Deposits84.95%78.55%80.63%81.36%81.35%-360 bps
Liquid Assets / Assets10.34%15.46%14.18%13.78%14.51%+416 bps
CRE / Total Capitaln/a464%462%421%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Eaglebank

Bethesda, MD · Cert 34742 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Eagle Bcorp Inc.

State charter, Fed member · FED · 13 branches

Q2 2026

$9.6BAssets
$6.7BLoans
$8.2BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 84% of banks $1B-$10B in assets operating regionally (rank 29 of 176).
  • Widest gap: net charge-offs / loans trails 98% of banks $1B-$10B in assets operating regionally (rank 173 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.54%

Rank 163 of 176

Net Interest Margin

2.46%

Rank 172 of 176

Efficiency Ratio

58.90%

Rank 86 of 176

Equity / Assets

12.19%

Rank 38 of 176

Non-interest income vs. expense

$47.8M$180.6MINCOMEEXPENSE
Unfavorable gap of $132.8M · efficiency ratio beats 52% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.54%0.93%1.26%1.54%Beats 7%163 / 176
Return on Equity4.46%9.26%11.89%14.46%Beats 5%168 / 176
Net Interest Margin2.46%3.25%3.59%3.93%Beats 2%172 / 176
Efficiency Ratio58.90%52.79%59.55%67.66%Beats 52%86 / 176
Asset Quality
Nonperforming Loans / Loans2.05%0.30%0.64%1.32%Beats 9%162 / 176
Net Charge-Offs / Loans1.13%0.01%0.04%0.10%Beats 2%173 / 176
Capital
Tier 1 Capital Ratio14.95%11.15%12.72%14.15%Beats 82%31 / 176
Total Risk-Based Capital Ratio16.20%11.81%13.63%15.33%Beats 84%29 / 176
Equity / Assets12.19%9.16%10.35%11.80%Beats 78%38 / 176
Liquidity & Funding
Loans / Deposits81.35%80.94%89.73%97.21%27th pctl129 / 176
Loans / Assets69.37%69.25%75.12%80.82%26th pctl130 / 176
Brokered Deposits / Depositsn/aNot reported for this institution