# EAGLEBANK
BETHESDA, MD · FDIC certificate 34742 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $9.62B | |
| Deposits | $8.20B | |
| Loans and leases | $6.67B | |
| Total equity | $1.17B | |
| Loans / deposits | 79.87% (p33 of band) | 87.10% |
| Liquid assets / assets | 24.04% (p61 of band) | |
| Uninsured deposits / deposits | 27.69% (p41 of band) | 30.76% |
| Brokered deposits | 27.22% | |
| Wholesale funding | 28.26% (p95 of band) | |
| FHLB advances / assets | 1.04% | |
| Tier 1 leverage | 11.49% (p69 of band) | 10.50% |
| Unrealized securities loss / equity | -13.89% (p31 of band) | -7.75% |
| AOCI / equity | -0.39% (p44 of band) | |
| ROA (annualized) | 0.52% (p9 of band) | 1.26% |
| Net interest margin | 2.81% (p10 of band) | 3.70% |
| Efficiency ratio | 58.90% (p50 of band) | |
| Noncurrent loans | 2.05% (p92 of band) | 0.51% |
| Net charge-offs (annualized) | 1.48% (p98 of band) | |
| Reserve coverage of noncurrent | 88.48% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 78.81% (p78 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $91.7M (8% of equity) (p86 of band) | |
| Deposits YoY | -10.2% | |
| Employees | 497 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | brokered >10% |
| 2011-12 | 4 | brokered >10% |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | construction >100% equity |
| 2016-12 | 3 | construction >100% equity |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | loans exceed deposits |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | loans exceed deposits |
| 2019-03 | 4 | loans exceed deposits |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | capital falling |  |
| 2020-03 | 4 |  | loans exceed deposits |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | capital falling | construction >100% equity |
| 2021-06 | 3 | construction >100% equity | capital falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | capital falling |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 6 | uninsured deposits >50%, deposits shrinking, assets shrinking |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 5 | loans exceed deposits | uninsured deposits >50%, assets shrinking |
| 2023-06 | 6 | capital falling, uninsured deposits leaving | loans exceed deposits |
| 2023-09 | 5 | securities losses >30% of equity | deposits shrinking, capital falling |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 6 | capital falling, charge-offs p90 |  |
| 2024-06 | 5 | losing money | uninsured deposits leaving, capital falling |
| 2024-09 | 6 | reserve under noncurrent |  |
| 2024-12 | 8 | noncurrent p90, uninsured deposits leaving |  |
| 2025-03 | 5 |  | charge-offs p90, losing money, uninsured deposits leaving |
| 2025-06 | 8 | losing money, charge-offs p90, assets shrinking |  |
| 2025-09 | 8 | capital falling | assets shrinking |
| 2025-12 | 9 | assets shrinking |  |
| 2026-03 | 7 | deposits shrinking | construction >100% equity, losing money, capital falling |
| 2026-06 | 7 |  |  |

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

- 2026-07-01 [EagleBank to pay $9.7M to resolve BSA violations - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxPV3A3MHZhZFV3NmlYRjIyRk5LN3JCT0FiVzdxNXgxVjFpaWZLemI4VHdLdVdnN2F1aF9iV1ZyUnllX1R4dDlESHE2cWRfd2s5Q1hzR2xfN0xIcmFQNXY5cU5fN25sTUt3Y3lCakU5TlhTUk0yMWpQOVJOeER4eHRSdmZhaU9aZjNPS01GMmdGVGtJZw?oc=5) · Banking Dive
- 2026-05-17 [Maryland's EagleBank appoints Stephen Curley as new CEO - fintechfutures.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdGZ0bVFkSjFhX2ZuV3FyM0hGNmIwbk5LeEMwVi16bVlrZ0UyMmdoRWFPeFJHYk9vRE5uS2wwTGkxeERZTG5ERXNiR3ZMR2FBNVk0bFplUGcwa19zNHNIR3lnM3ctQXpMcnBncS1zMjRXcTdwTTZaT29XZW1iN3lsQ2NzTkRqeE5EU2JPamIxMVA?oc=5) · fintechfutures.com
- 2026-07-01 [EagleBank To Pay Over $9.7M Over Money Laundering Probe - Patch](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTjRuRTNKUlprM1BiR3drTHFudzlJUmY1Wktzb3Vrd1dxeUZvUFFCeUJBYXBMYkpNNVdDZnd5QTE1RXl6QVNJX0xlRnJKbGpqM0g2REp5MEJKa1dSMzFWaDRLQ3FQRUc5d3Q2N1NUa0ZtV2w3ME55TkhyZGx6LVVVaGpDYVZFUkJNVTF3dlkzTmo1Q0IwdXJ2WUt6dUxoMnM?oc=5) · Patch
- 2026-07-01 [EagleBank to pay $9.7 million over decade-long check kiting scheme - Washington Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPcUZISU9uSkYzeUhMaVB2bHJhd1BrR1ZKUnItMU8tejZQUk1DaUJJcXlqM3hWZVRxc01xWmtyZ1EzbTJoSXNValpsY2xzam40by02dm9uVTBYMzhUVnZQZlNfSDNqUmJwbklKV0xJdDdDdmxzVU1qRXBPWEgweUQybU1pTE02OV84T1FQSUk3eHlLMm5CcGpjOEtVQ3AzSUlzZExIVERPRDM?oc=5) · Washington Times
- 2026-05-12 [Eagle Bancorp Board Appoints Stephen Curley Chief Executive Officer - GlobeNewswire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQd0t4b25rLUVZZU5oM1ZLWEJXbVhZdmZld2YwYXAwLU9QS05uSmtOc2d4N2tpSjExWmFiSUUwakVaZVUtM0Foam9IbzV4ODFUVVU1ZnpGMzl2OVBuZU9SNmlPbTctUHRrdnJ6VldNdFJsYThZOHdKWWVGUUNOazFFVVlnUmdoek4yZ3BsaHRNc2hRNmxHSTQ0MjRuNkxvSTlWUThaVkRNVFZaMWwwdWhlM0phdkRVN2IteTZCQnVKN01JV2tVVzNka3UxQzBPdTdXS0ozdEpR?oc=5) · GlobeNewswire
- 2026-03-24 [Activist investor takes its EagleBank fight public - Banking Dive](https://news.google.com/rss/articles/CBMizwFBVV95cUxPenpMY0NPX3g4TVh4UzV2LTVCTkxiTllrQ2V0ZEZUWTlqYjhMQ09PODBqTDlXbC1tWW1ENnhvOUhGU05Xb01ESUFoeXE5a2JhTFhDcklTM19XM0JHTzUyMGJuc1ZodjA0ME44eWp2QUE2QllvR3FEWXRKbHpFMXVVTjRZV1JQM1BhWmJ5NmdDemdnNDBFM1F0WlNMR0JkLWJta1ZGR2Y3T2VSLTI0dlhuUEQ0OVhuSzE0dFp6bGIzU2JUWl9ramdnZGhRNG9MY2c?oc=5) · Banking Dive
- 2026-03-18 [EagleBank offers cash, stock to keep three executives during leadership transition - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOOGozcS1oOFpZbzBqUHJ0MHBIR2x1ZnJTSDNEMzRrMndkYjY5RUJ4OGNKS2k3UlVDT1NkSEkzWVVqY0U3ajhXVzZ2WHdENDBXeVZSZHgxTEN3ZkRvRlpCdDhRWnQ5ZWVZNElBQVd2X01kUzZWb1R6YmZfV2I5ZFZsQTNURjJFR2dEdkkzcmdtc1FuaG1EQm9DT1NobUp6Wk1BODh2NQ?oc=5) · The Business Journals
- 2026-07-01 [EagleBank to pay $10 million over violations of Bank Secrecy Act - Peoples Gazette Nigeria](https://news.google.com/rss/articles/CBMikAFBVV95cUxOeVhJLVJUYVdpbWlSdnhpYXRiRDhzdDRZbkozb21fYzdMdmt6clZOdUdYdHE2QWVYenExWGxqRlpPbnNDelNRY2FRcW1UY2JkSk40RnR6QUk0am56dTE5SUtvMFRSVTNPSDJ4Y1EtSUtDVGVBOVpDSmk0b1pfMFdJRlU1OUhXdXk4a1p0M2tJV2w?oc=5) · Peoples Gazette Nigeria

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34742 (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/54.json (key "34742", 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