Everett, MA · Cert 90191 · Eagle Bcorp MHC
SI · FDIC · 6 branches
Q2 2026
Market Position · Boston-Cambridge-Newton, MA-NH · 2026 SOD (annual) · 0.1% share · #49 of 100 inst. · $0.6B of $580.3B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.39% | 0.38% | 0.22% | 0.35% | -9 bps | |
| Return on Equity | 4.37% | 3.87% | 3.73% | 2.18% | 3.47% | -90 bps | |
| Net Interest Margin | 2.96% | 2.98% | 2.94% | 3.20% | 3.17% | +21 bps | |
| Efficiency Ratio | 82.26% | 83.89% | 84.27% | 88.38% | 84.14% | +188 bps | |
| Non-Interest Burden | 2.40% | 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 / Loans | 0.06% | 0.05% | 0.13% | 0.11% | 0.04% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.88% | 0.88% | 0.86% | 0.88% | 0.86% | -3 bps | |
| Allowance Coverage of NPLs | 15.8x | 16.2x | 6.8x | 7.8x | 22.5x | +6.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.20% | 11.12% | 10.86% | 10.73% | 10.63% | -58 bps | |
| Total Risk-Based Capital | 11.20% | 11.12% | 10.86% | 10.73% | 10.63% | -58 bps | |
| Equity / Assets | 10.23% | 10.09% | 10.04% | 10.17% | 9.90% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.53% | 90.02% | 90.69% | 92.85% | 95.00% | +246 bps | |
| Liquid Assets / Assets | 2.72% | 5.03% | 5.50% | 1.23% | 0.55% | -217 bps | |
| CRE / Total Capital | n/a | 359% | 395% | 413% | n/a | n/a | |