Bethesda, MD · Cert 34742 · Eagle Bcorp Inc.
State charter, Fed member · FED · 13 branches
Q2 2026
Market Position · Washington-Arlington-Alexandria, DC-VA-MD-WV · 2026 SOD (annual) · 2.7% share · #8 of 71 inst. · $8.2B of $301.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.72% | 0.13% | -2.49% | -2.46% | 0.02% | 0.66% | 0.38% | +287 bps | |
| Return on Equity | 7.24% | 6.58% | 1.14% | -22.15% | -22.46% | 0.19% | 5.81% | 3.19% | +2,534 bps | |
| Net Interest Margin | 2.30% | 2.27% | 2.19% | 2.29% | 2.38% | 2.33% | 2.36% | 2.44% | +15 bps | |
| Efficiency Ratio | 54.80% | 57.56% | 59.33% | 55.10% | 55.42% | 83.78% | 61.13% | 56.58% | +148 bps | |
| Non-Interest Burden | 1.16% | 1.25% | 1.19% | 1.13% | 1.25% | 1.88% | 1.25% | 1.19% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.06% | -4.57% | -2.54% | -6.20% | -4.14% | -5.72% | -12.11% | -8.83% | -263 bps | |
| Loan Growth (YoY) | 0.68% | -0.42% | -0.30% | -3.09% | -6.64% | -7.11% | -12.12% | -14.01% | -1,092 bps | |
| Deposit Growth (YoY) | 1.88% | 3.48% | 8.83% | 9.98% | 10.56% | -0.13% | -7.48% | -10.20% | -2,019 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.69% | 2.63% | 2.52% | 3.21% | 3.23% | 2.68% | 2.63% | 2.05% | -115 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.48% | 0.56% | 4.32% | 7.57% | 0.67% | 1.48% | 2.87% | -145 bps | |
| Allowance / Loans | 1.40% | 1.44% | 1.63% | 2.37% | 2.10% | 2.17% | 2.10% | 1.82% | -55 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.5x | 0.6x | 0.7x | 0.7x | 0.8x | 0.8x | 0.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 10.82% | 11.24% | 10.78% | 10.57% | 9.92% | 10.87% | 11.49% | +71 bps | |
| Total Risk-Based Capital | 15.59% | 16.00% | 16.08% | 15.51% | 15.11% | 14.61% | 15.39% | 16.20% | +70 bps | |
| Equity / Assets | 10.91% | 11.11% | 11.15% | 11.36% | 10.58% | 11.00% | 11.77% | 12.19% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.02% | 86.68% | 85.65% | 84.95% | 78.55% | 80.63% | 81.36% | 81.35% | -360 bps | |
| Liquid Assets / Assets | 13.42% | 13.66% | 13.68% | 10.34% | 15.46% | 14.18% | 13.78% | 14.51% | +416 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 464% | 462% | 421% | n/a | n/a | |