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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 0.35%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.16%0.42%0.44%0.39%0.38%0.22%0.35%-9 bps
Return on Equity1.29%1.58%4.24%4.37%3.87%3.73%2.18%3.47%-90 bps
Net Interest Margin2.42%2.49%2.90%2.96%2.98%2.94%3.20%3.17%+21 bps
Efficiency Ratio93.87%93.69%82.68%82.26%83.89%84.27%88.38%84.14%+188 bps
Non-Interest Burden2.25%2.32%2.36%2.40%2.47%2.44%2.81%2.64%+24 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-0.01%-0.01%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