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Eagle Bank

Everett, MA · Cert 90191 · Eagle Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

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 under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28 to 29). 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

31

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

82

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

Eagle Bank

Everett, MA · Cert 90191 · Eagle Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

$709.0MAssets
$586.9MLoans
$617.8MDeposits
$70.2MEquity
Loan mix
89%RE $501.0M11%C&I $60.1M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $511.1M17%Noninterest $106.7MQ2 2025Q2 2026

NIM

4.63%Q2 ’244.94%Q2 ’255.10%Q2 ’26+25%+7%

Non-interest income vs. expense

2.49%Q2 ’242.62%Q2 ’252.84%Q2 ’26+6%+10%

Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #49 of 100 inst. · $0.6B of $580.3B

0.5% Middlesex
0.0% Suffolk
0.8% York
0.1% Essex

Executive Summary

  • Earnings: ROA of 0.35%, down 9 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.04% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.63%, down 58 bps from a year ago.
  • Funding: loans stand at 95.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.35%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+21 bps YoY

Efficiency Ratio (YTD, annualized)

84.14%+188 bps YoY

Tier 1 Leverage Ratio

10.63%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.44%0.39%0.38%0.22%0.35%-9 bps
Return on Equity4.37%3.87%3.73%2.18%3.47%-90 bps
Net Interest Margin2.96%2.98%2.94%3.20%3.17%+21 bps
Efficiency Ratio82.26%83.89%84.27%88.38%84.14%+188 bps
Non-Interest Burden2.40%2.47%2.44%2.81%2.64%+24 bps
Growth
Asset Growth (YoY)3.54%5.85%9.19%6.89%11.15%+761 bps
Loan Growth (YoY)5.62%4.98%8.35%9.61%14.64%+902 bps
Deposit Growth (YoY)4.97%6.73%13.22%10.24%11.67%+670 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.13%0.11%0.04%-2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.88%0.88%0.86%0.88%0.86%-3 bps
Allowance Coverage of NPLs15.8x16.2x6.8x7.8x22.5x+6.7x
Capital
Tier 1 Leverage Ratio11.20%11.12%10.86%10.73%10.63%-58 bps
Total Risk-Based Capital11.20%11.12%10.86%10.73%10.63%-58 bps
Equity / Assets10.23%10.09%10.04%10.17%9.90%-33 bps
Liquidity & Funding
Loans / Deposits92.53%90.02%90.69%92.85%95.00%+246 bps
Liquid Assets / Assets2.72%5.03%5.50%1.23%0.55%-217 bps
CRE / Total Capitaln/a359%395%413%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

Eagle Bank

Everett, MA · Cert 90191 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29) · Eagle Bcorp MHC

SI · FDIC · 6 branches

Q2 2026

$709.0MAssets
$586.9MLoans
$617.8MDeposits
$70.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 5 of 29).
  • Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 23 of 29).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.34%

Rank 19 of 29

Net Interest Margin

3.17%

Rank 5 of 29

Efficiency Ratio

84.14%

Rank 15 of 29

Equity / Assets

9.90%

Rank 14 of 29

Non-interest income vs. expense

$1.4M$19.9MINCOMEEXPENSE
Unfavorable gap of $18.5M · efficiency ratio beats 52% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 84.14%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.34%0.23%0.39%0.50%Beats 34%19 / 29
Return on Equity3.44%2.29%3.46%5.78%Beats 45%16 / 29
Net Interest Margin3.17%2.42%2.71%3.01%Beats 83%5 / 29
Efficiency Ratio84.14%78.96%84.14%93.09%Beats 52%15 / 29
Asset Quality
Nonperforming Loans / Loans0.04%0.03%0.13%0.43%Beats 69%10 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 38%19 / 29
Capital
Tier 1 Capital Ratio10.63%11.54%13.48%16.99%Beats 21%23 / 29
Total Risk-Based Capital Ratio10.63%11.54%14.44%17.87%Beats 21%23 / 29
Equity / Assets9.90%8.70%9.70%11.05%Beats 52%14 / 29
Liquidity & Funding
Loans / Deposits95.00%84.22%92.17%95.56%71st pctl8 / 28
Loans / Assets82.78%69.12%73.70%81.02%79th pctl6 / 29
Brokered Deposits / Depositsn/aNot reported for this institution