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EagleBank
Bethesda, MD·FDIC Cert #34742·Charter: STATE·Est. 19980720.0·HC: EAGLE BCORP INC
Total Assets
$10.4B
Q4 2025
Return on Assets
-1.10%
+0.48%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.59%
Peer avg: 55.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
41
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-1.10%+0.48
ROE
-9.98%+4.39
Efficiency
60.59%+3.98
Equity/Assets
0.00%+0.00
NPL Ratio
2.74%-0.56
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.88%+1.98
Charge-offs
3.23%-0.82
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.0 | -1.4 | -0.7 | -0.4 | 0.1 | -1.2 | -1.6 | -1.1 |
| ROE | 0.0 | -13.5 | -6.6 | -3.3 | 1.1 | -10.5 | -14.4 | -10.0 |
| Efficiency | 50.7 | 52.4 | 53.2 | 54.3 | 59.3 | 57.2 | 56.6 | 60.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 1.2 | 1.7 | 2.7 | 2.6 | 3.3 | 3.3 | 2.7 |
| Charge-offs | 1.1 | 0.6 | 0.5 | 0.5 | 0.6 | 2.4 | 4.0 | 3.2 |
| Loan/Deposit | 92.3 | 95.1 | 91.7 | 85.4 | 84.3 | 82.9 | 76.9 | 78.9 |
Balance Sheet
Total Assets$10.4B
Total Deposits$9.1B
Total Loans$7.2B
Total Equity$1.2B
Profitability
ROA-1.10%
ROE-9.98%
Efficiency Ratio60.59%
Net Income$-119.5M
Risk & Asset Quality
NPL Ratio2.74%
Charge-off Rate3.23%
Loan/Deposit78.88%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans