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Letter portraitLegal landscapeQuarterYTD

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