# EAGLE BANK
CINCINNATI, OH · FDIC certificate 30439 · asset band <$300M · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $174.9M | |
| Deposits | $134.5M | |
| Loans and leases | $145.2M | |
| Total equity | $23.9M | |
| Loans / deposits | 106.75% (p95 of band) | 70.19% |
| Liquid assets / assets | 7.60% (p2 of band) | |
| Uninsured deposits / deposits | 9.28% (p14 of band) | 18.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.43% (p73 of band) | |
| FHLB advances / assets | 7.43% | |
| Tier 1 leverage | 13.78% (p72 of band) | 11.30% |
| Unrealized securities loss / equity | -0.28% (p90 of band) | -16.70% |
| AOCI / equity | 0.00% (p75 of band) | |
| ROA (annualized) | 0.05% (p11 of band) | 0.87% |
| Net interest margin | 2.77% (p21 of band) | 3.46% |
| Efficiency ratio | 98.45% (p90 of band) | |
| Noncurrent loans | 0.20% (p48 of band) | 0.25% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 564.60% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 26.28% (p57 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | deposits shrinking |  |
| 2013-09 | 0 |  | deposits shrinking |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 4 | loans exceed deposits, liquid assets <10%, expense ratio p90, uninsured deposits leaving |  |
| 2018-09 | 2 | capital falling | loans exceed deposits, expense ratio p90, uninsured deposits leaving |
| 2018-12 | 3 | loans exceed deposits |  |
| 2019-03 | 3 | expense ratio p90 | capital falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | expense ratio p90 |
| 2019-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 2 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 | charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 | charge-offs p90 | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-03 | 2 | capital falling, expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2023-06 | 2 | loans exceed deposits | capital falling |
| 2023-09 | 5 | liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 2 |  | expense ratio p90, noncurrent p90, reserve under noncurrent |
| 2024-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Virginia banks to combine in $253M deal - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxNTkZlbjBnSXI2OElBeWZRcHJuMVdUM0tBOFlmdUNXYmdnYVQxeE9EczUteTVjU3ctNDY4OGlyMklMbnFNeXFEZWV2TF9PTktnd2dpaE5PcS1DMi1Zc1I0dUhyT3oxdFc5cVFGSlpwelluS0hOTHdQTFRoLXViSHJBaS1Cd2FKRndsSlM2bzZucURPSUNKMEtEb3NPZl9XMXNnb2o1ZTdfNA?oc=5) · Banking Dive
- 2026-05-13 [EagleBank hires Western Alliance exec as its next CEO - Banking Dive](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQd2tISW83bm5xX3h4OVdSaHYxOGlqYmZ2Ym5SQ09hS2RSZGZTYjMyRnNlSkpvb1IzWDExM0J3VTJXLVk1dm5NWk1DMEdobmdWandNTGRqY3pkRWwzODFTN0pvdXpVTFNhUzBLaEgwa1A1TWpReGUwbnVNa2tibWp2T1I3NEZpVmJtQkRiVFpoeGUtV1p1VEVlakdVWW9SV2NJVTViTG5SYTM0YWpuUEhnWTdwT3ZiQkhaMWtub2diYUNjYklLZmtFWVlETkdMRElx?oc=5) · Banking Dive
- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2023-11-30 [M&A: LNCB Swoops for EAGLE bank in $23M Deal - Banking Exchange](https://news.google.com/rss/articles/CBMimgFBVV95cUxPNmprbTF2dzVYemQ5ZjRFLXpCQjVuNk4tWWk5OTZ2QXNpc29hbGJyc2JtT1djTUJpZ0hrMlYzX3FjS1AtUzhZMEgtV19qb0g3eVFHUWxJbDFNN2M3RTQyV3kycmtybmpfMGZwOERvN0RoUUFILVFSRlJ2c3VWUXExTm90Wm5qa29UZkNtSFBTeE5EcXhwcFRXRnVB?oc=5) · Banking Exchange
- 2023-11-29 [LCNB Corp. Agrees to Acquire Eagle Financial Bancorp, Inc. - Business Wire](https://news.google.com/rss/articles/CBMitAFBVV95cUxPRC1KOFptTkhPYUczdktkUGZBLThPcmZadndXTHpEaVNSM0J4YWdJQ3NNVS00ekQxTkdCamlpOTM3bmVXSFhvT1l3WVR6Wmk1dEtSNXMtOXJhSFlMZ2hvOUtadlJ6M1NuamVySzdLbVo1azNJMC1vS21xZTlDeUxQLUZJQldPMi1QSFhGZlRBbndnR2k2OGVoeURPblhUNTJ4TURXTExJeEpWSGJOcEZNQlFrdGM?oc=5) · Business Wire
- 2025-08-06 [Four Executives Step Into New Roles at Eagle Bank & Trust - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiYkFVX3lxTE95cV9feWFHR0NsZ245bVBlWkY3dWFWU2FFRWtjdk5NWXVpcFNady02c3I4b2VGNXRoQjliQU5RNmhyRTVTV2JOSjlXY29BdUhDdkg3YTlkTmR3ZFloWEV0RUx3?oc=5) · Arkansas Money &amp; Politics
- 2022-08-17 [Fed bans former CEO of Eagle in Maryland from banking - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxPU0NKT1JRczJ5RWRQT1doSXVZZGc2am1QUkZHY3VVYWx4RFJEVjRoZDdwVmVpWl9BYTBlOWozNTdrVFZwTDlrVXJRSHRSMGk5OUx6dFRLNGhMRVBQRUtMRlYzTmlQTFVUS0VWLWF3aENzcm1MVDlURnBpV254ZjV1cUlWU0ZRVDRPTUZoXzJneFRrTG8?oc=5) · American Banker
- 2024-11-01 [Eagle Bank Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMifkFVX3lxTFBhNzZtNXdsVG9haWtTb0RIRzN1NGFBYzJybzJhaHpHWEg2MzJCWkxXbVljRmZiUFRsblFDWlQxNVFvYWg2d2h3bnFfdGRCS0tmUGhXVTc4V3ByYXFfTzBMWlpsWk5FNW5kQV8wMl9hdzhxOUllSnV2Ql9XUjdBQQ?oc=5) · ClassAction.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30439 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "30439", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide