EagleBank
EagleBank reported total assets of $9.6 bn at Q2 2026, down 8.8% on a year earlier, the 164th largest of 497 banks in our US coverage. The CET1 capital ratio at EagleBank was 14.95%, and the uninsured share of EagleBank was 27.69%. Source: FDIC Call Reports.
Key takeaways
- EagleBank has one of the highest net charge-offs to average loans readings among banks of $1 bn to $10 bn: 2.11% at , against a median of 0.06% across 339 banks (FDIC Call Reports).
- On efficiency ratio, EagleBank slipped from 238th to 312th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- The return on equity (ROE) of EagleBank, 4.50% at , places EagleBank in the bottom tenth of banks of $1 bn to $10 bn (group median 12.68%; FDIC Call Reports).
What sets EagleBank apart
- Over the year to , the total deposits of EagleBank fell by 10.2% to $8.2 bn, a bigger fall than at 99% of covered banks.
- Over the year to , the total assets of EagleBank fell by 8.8% to $9.6 bn, a bigger fall than at 99% of covered banks.
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on assets (ROA) than EagleBank, at 0.52% in ; the group median is 1.32%.
How large is EagleBank?
The balance sheet of EagleBank at : assets $9.6 bn, deposits $8.2 bn, net loans $6.6 bn (loans equal to 79.87% of deposits). Securities make up 17.5% of total assets at EagleBank. Since , when EagleBank held $6.1 bn, its assets grew 57.2%. In the year to , deposits at EagleBank fell 10.2% while its total assets fell 8.8%. At , EagleBank employed 497 full-time equivalent staff across 14 offices, about $19.4 mn of assets per employee and $585.8 mn of deposits per office.
How much funding at EagleBank is uninsured?
At EagleBank, uninsured deposits (above the FDIC limit) made up 27.69% of domestic deposits at (+2.77 pp on a year earlier); EagleBank ranks 342nd of 500 on this measure. In dollars, EagleBank estimated $2.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $8.2 bn | -10.2% | 163rd of 499 |
| Net loans and leases | $6.6 bn | -13.5% | 173rd of 500 |
| Loan-to-deposit ratio | 79.87% | -3.07 pp | 344th of 500 |
| Tier 1 leverage ratio | 11.49% | +0.71 pp | 126th of 500 |
| Total risk-based capital ratio | 16.20% | +0.70 pp | 117th of 448 |
| Net interest margin | 2.81% | +0.17 pp | 438th of 500 |
| Return on assets (ROA) | 0.52% | +1.70 pp | 469th of 500 |
| Efficiency ratio | 58.90% | +1.71 pp | 312th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $82.7 mn | Narrowed by $12.1 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $80.4 mn | Narrowed by $20.4 mn | |
| Noncurrent loans to total loans | 2.05% | -1.15 pp | 459th of 500 (1 = lowest) |
| Net charge-offs to average loans | 2.11% | -0.31 pp | 485th of 500 (1 = lowest) |
US rank of EagleBank: 1 = highest unless marked 1 = lowest.
Balance sheet
EagleBank: assets, deposits and loans
- Total assets $9.6bn
- Deposits $8.2bn
- Net loans $6.6bn
Capital and securities
The CET1 ratio of EagleBank stood at 14.95% in , +0.70 pp year on year. Low and high at EagleBank since : 10.61% () to 16.09% (). Equity capital of EagleBank at : $1.2 bn, or 12.2% of total assets. EagleBank also reported a total capital ratio of 16.20% for , and a tier 1 leverage ratio of 11.49%.
On held-to-maturity securities, EagleBank carried an unrealized loss of $82.7 mn at , equal to 7.1% of equity capital. The loss narrowed by $12.1 mn over the year. Its deepest point: $153.2 mn in . The available-for-sale portfolio of EagleBank showed an unrealized loss of $80.4 mn at ; the loss narrowed by $20.4 mn over the year.
EagleBank: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
EagleBank: unrealized securities gains and losses
- Available for sale -$80mn
- Held to maturity -$83mn
Profitability and loan quality
For the year to , EagleBank earned a return on equity of 4.50%; return on assets: 0.52%. Net interest margin at EagleBank: 2.81%, +0.17 pp in a year. EagleBank net income: $26.1 mn, down 140.6% year on year. The efficiency ratio of EagleBank was 58.90%: about 59 cents cost per revenue dollar, against 46 cents at the median peer.
At , noncurrent loans were 2.05% of total loans at EagleBank; net charge-offs: 2.11% of average loans. Gross loans and leases at EagleBank: $6.7 bn, down 14.0% in a year.
EagleBank: profitability
- Return on equity 4.5%
- Net interest margin 2.8%
- Return on assets 0.5%
Peer group of EagleBank
The peer group of EagleBank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of EagleBank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Maryland. Against them, EagleBank shows CET1 ratio 14.95% against a peer median of 14.00%, return on equity 4.50% against a peer median of 14.62% and uninsured deposit share 27.69% against a peer median of 30.27%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Byline Bank | State nonmember bank | IL | $9.9 bn | 14.00% | 12.03% | 34.11% | |
| Principal Bank | Federal savings bank | IA | $9.8 bn | 14.91% | 33.04% | 45.59% | |
| Capitol Federal Savings Bank | Federal savings bank | KS | $9.7 bn | not reported | 8.92% | 11.15% | |
| EagleBank | State member bank | MD | $9.6 bn | 14.95% | 4.50% | 27.69% | |
| RBC Bank, (Georgia) | National bank | GA | $9.6 bn | 48.11% | 23.77% | 5.51% | |
| Wintrust Bank | National bank | IL | $9.6 bn | 12.25% | 17.21% | 45.94% | |
| Peoples Bank | State member bank | OH | $9.5 bn | 12.30% | 10.48% | 26.43% | |
. FDIC Call Reports.
Last eight quarters
Two years at EagleBank, to : assets -14.3%, deposits -4.3%, equity -4.3%. Staff 455 to 497.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $11.2 bn | $11.1 bn | $11.3 bn | $10.6 bn | $10.8 bn | $10.4 bn | $9.9 bn | $9.6 bn |
| Total deposits | $8.6 bn | $9.2 bn | $9.3 bn | $9.1 bn | $9.5 bn | $9.1 bn | $8.6 bn | $8.2 bn |
| Bank equity capital | $1.2 bn | $1.2 bn | $1.3 bn | $1.2 bn | $1.1 bn | $1.1 bn | $1.2 bn | $1.2 bn |
| CET1 ratio | 14.38% | 14.77% | 14.82% | 14.25% | 13.85% | 13.35% | 14.13% | 14.95% |
| Return on equity (ROE) | -6.64% | -3.33% | 1.14% | -10.49% | -14.37% | -10.84% | 5.81% | 4.50% |
| Uninsured share of domestic deposits | 25.46% | 23.50% | 25.29% | 24.92% | 24.39% | 24.65% | 25.76% | 27.69% |
| Full-time equivalent employees | 455 | 452 | 467 | 476 | 468 | 472 | 464 | 497 |
| Number of offices | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by EagleBank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of EagleBank?
EagleBank reported $9.6 bn at in its Call Report. That makes EagleBank the 164th largest of 497 banks in our US coverage.
Is EagleBank the same as its holding company?
No. This page covers EagleBank, FDIC certificate 34742; EAGLE BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is EagleBank profitable?
EagleBank reported net income of $26.1 mn for the year to ; annualized return on equity: 4.50%. So yes: EagleBank made a profit over these months.
When is data for EagleBank next updated?
Figures from EagleBank for are due after .
Where can I check the figures for EagleBank?
In the FDIC BankFind Suite record for certificate 34742, and in the Call Reports of EagleBank (RSSD ID 2652092) at the FFIEC Central Data Repository.