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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 $0.3MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $511.1M17%Noninterest $106.7MQ3 2024Q2 2026

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 0.48%, up 2 bps year over year; NIM at 3.20%.
  • 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.

Return on Assets (quarter, annualized)

0.48%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+16 bps YoY

Efficiency Ratio (quarter, annualized)

79.98%-188 bps YoY

Tier 1 Leverage Ratio

10.63%-58 bps YoY

NIM

4.67%Q2 ’245.03%Q2 ’255.15%Q2 ’26+26%+5%

Non-interest income vs. expense

2.48%Q2 ’242.67%Q2 ’252.72%Q2 ’26+9%+3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.25%0.42%0.46%0.29%0.34%0.22%0.48%+2 bps
Return on Equity1.97%2.45%4.24%4.50%2.89%3.36%2.18%4.77%+27 bps
Net Interest Margin2.48%2.80%2.90%3.04%3.10%3.09%3.20%3.20%+16 bps
Efficiency Ratio90.97%93.22%82.68%81.85%86.98%85.31%88.38%79.98%-188 bps
Non-Interest Burden2.23%2.59%2.36%2.45%2.67%2.60%2.81%2.52%+7 bps
Growth
Asset Growth (YoY)3.24%2.42%0.73%3.54%5.85%9.19%6.89%11.15%+761 bps
Loan Growth (YoY)10.12%7.32%4.91%5.62%4.98%8.35%9.61%14.64%+902 bps
Deposit Growth (YoY)2.35%2.71%-0.61%4.97%6.73%13.22%10.24%11.67%+670 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.13%0.06%0.06%0.05%0.13%0.11%0.04%-2 bps
Net Charge-Offs / Loans-0.02%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.91%0.89%0.88%0.88%0.88%0.86%0.88%0.86%-3 bps
Allowance Coverage of NPLs7.3x6.8x15.6x15.8x16.2x6.8x7.8x22.5x+6.7x
Capital
Tier 1 Leverage Ratio11.24%11.15%11.13%11.20%11.12%10.86%10.73%10.63%-58 bps
Total Risk-Based Capital11.24%11.15%11.13%11.20%11.12%10.86%10.73%10.63%-58 bps
Equity / Assets10.02%9.96%10.07%10.23%10.09%10.04%10.17%9.90%-33 bps
Liquidity & Funding
Loans / Deposits91.53%94.77%93.38%92.53%90.02%90.69%92.85%95.00%+246 bps
Liquid Assets / Assets1.55%1.45%2.44%2.72%5.03%5.50%1.23%0.55%-217 bps
CRE / Total Capitaln/an/an/an/a359%395%413%n/an/a