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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.36% | 0.13% | -1.18% | -1.59% | -1.20% | 0.66% | 0.52% | +170 bps | |
| Return on Equity | -6.64% | -3.33% | 1.14% | -10.49% | -14.38% | -10.84% | 5.81% | 4.50% | +1,499 bps | |
| Net Interest Margin | 2.33% | 2.29% | 2.19% | 2.25% | 2.35% | 2.30% | 2.36% | 2.46% | +21 bps | |
| Efficiency Ratio | 53.21% | 54.28% | 59.33% | 57.19% | 56.61% | 63.82% | 61.13% | 58.90% | +171 bps | |
| Non-Interest Burden | 2.27% | 1.99% | 1.19% | 1.17% | 1.22% | 1.36% | 1.25% | 1.25% | +9 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 | 0.49% | 0.49% | 0.56% | 2.45% | 4.23% | 3.37% | 1.48% | 2.21% | -24 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 | |