# EAGLE BANK
EVERETT, MA · FDIC certificate 90191 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $709.0M | |
| Deposits | $617.8M | |
| Loans and leases | $586.9M | |
| Total equity | $70.2M | |
| Loans / deposits | 94.18% (p80 of band) | 82.04% |
| Liquid assets / assets | 11.00% (p6 of band) | |
| Uninsured deposits / deposits | 33.97% (p76 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.93% (p40 of band) | |
| FHLB advances / assets | 1.93% | |
| Tier 1 leverage | 10.63% (p48 of band) | 10.81% |
| Unrealized securities loss / equity | -8.80% (p48 of band) | -8.10% |
| AOCI / equity | -0.12% (p65 of band) | |
| ROA (annualized) | 0.35% (p8 of band) | 1.28% |
| Net interest margin | 3.47% (p26 of band) | 3.91% |
| Efficiency ratio | 84.14% (p92 of band) | |
| Noncurrent loans | 0.04% (p16 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 2248.21% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 60.78% (p64 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 82 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | expense ratio p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 2 | NIM <2.5% | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | NIM <2.5% |
| 2015-06 | 2 | NIM <2.5% |  |
| 2015-09 | 2 | capital falling | NIM <2.5% |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 0 |  | expense ratio p90, capital falling |
| 2019-06 | 1 | expense ratio p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | losing money | expense ratio p90 |
| 2020-06 | 0 |  | losing money |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | expense ratio p90 |  |
| 2021-06 | 0 |  | expense ratio p90 |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent | capital falling, construction >100% equity |
| 2023-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2023-09 | 4 | capital falling, expense ratio p90, construction >100% equity |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 1 |  | capital falling, construction >100% equity |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | capital falling | expense ratio p90 |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 1 | expense ratio p90 |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-08-03 [Eagle Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5YS09ubXYwV3JKTHNCTTZXZnV3czliUldCUVBTY0cwQXNKcHNyZnpJWEF2RXYyUnRWY1BRMUpJcVI1TW9jZ1M4M00yNFRsZkJYUXFPRnFTYWdhbFBSVmtrU21oOTBOSFF6MEE?oc=5) · reveliolabs.com
- 2026-01-23 [Strength in numbers at Life is VERY Good - Arlington Catholic Herald](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZmZIaTlMOTAzMFNNbTg0ZUxnUmVJUUVEcC1QcnlGNHhnTGZRaFBTR0FCclhVSXNZcHpKbVlfWGgyRm83RFE0MkU1Q0ZXN19EWFJnWUxqdFRjS1pSQ2RHQkNIb3hMVXFsQ3JWU1QyWU5iYjNSX3RnUHFIQ2FySjV0MmE4TFVnQnBwNGJaX2t6LW1ob3M2NU1GcERR?oc=5) · Arlington Catholic Herald
- 2025-05-01 [The Eagle has landed: Massachusetts bank set to open its first Maine branch this summer - mainebiz.biz](https://news.google.com/rss/articles/CBMitwFBVV95cUxQeWNCUUxXclcwNnFpLXV0OUxnTURrM2w1SW5KbkQtU01qVUMxellsa25qRTNzTm1CZXhjZ0w4NkQtZDRlMC1tbkFBOTN4VkJ0YnV1bVBIUS1FRHNoejZZdDgzR0g2TWVXRjR3MDRmN3NzY3NKbkdTbDFTMFd1b0FYb2tJdERqRnVHMVFrdloxSV9zQWNZMVFiSlB1Z0pDN2RGVnU1VFFxdkU5RjFXTGtISGNHTkNmaXc?oc=5) · mainebiz.biz
- 2022-11-21 [Eagle Bank Reports that Recent Data Breach Resulted in Compromised Customer Social Security Numbers - JD Supra](https://news.google.com/rss/articles/CBMihAFBVV95cUxPV2FzbzIxU2RTRW1PZ0pCYkZyaHNqejN4RTJVZTlhNnFPakVXVUtqWEgzd0NHbk9sbDZtVG9kSnQzSVBzLS1PN3lZYTIwVE40enBIYkh4cV9EaUkyNnR5LTNlaHpjUGdaMS1ZU3Z2RUdFS1ZSbW1IRkRCOUt3OVdHMUFmQ2I?oc=5) · JD Supra
- 2024-11-01 [Eagle Bank Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMifkFVX3lxTFBhNzZtNXdsVG9haWtTb0RIRzN1NGFBYzJybzJhaHpHWEg2MzJCWkxXbVljRmZiUFRsblFDWlQxNVFvYWg2d2h3bnFfdGRCS0tmUGhXVTc4V3ByYXFfTzBMWlpsWk5FNW5kQV8wMl9hdzhxOUllSnV2Ql9XUjdBQQ?oc=5) · ClassAction.org
- 2025-08-18 [Bay State’s Eagle Bank opens its first Maine branch — in Kennebunk - mainebiz.biz](https://news.google.com/rss/articles/CBMimAFBVV95cUxNR0U5MG55THNBTXFiVHhFbS1nS2QwalY2ZmdhMjNrUDJ0eEhLY3RRWVEwc19uUERBQ2FjU3NMNzE1WHVkTXN2TFJVMTJzbFFyTEM2SzEyNmdCOGd0R2dNYlZ4MlZLcjBiQUdnMWt4RWhlZE1GOTNlWXk3cEd1X2NQSF81X1R2Y3UtaU1tekxvOE5qcDlkVU9xVA?oc=5) · mainebiz.biz
- 2014-05-20 [Eagle Bank Celebrates 125 Years - everettindependent.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE8zYnhXME1Scnc2TFE5Mm1Lc2ZYb1NEZmhLYWsxaE8yaGJJZ19lZmNDYkktOGVIMlBOeVhLQWs3SzdoaDdROGotYll6XzlJNW9seVZVNXNXWmZNS1R4cXRzU245d1ZwYUVHMlhmZG5naXFsUWVvUVRfQlh4c0ZFQ3PSAYQBQVVfeXFMUGFJemZkeHMyR1RGVWxETFd3UkVGcEVFcEtVYW1taXdfOV9XMUZUdGZoQ0JiVjN6T3ZyU2NSQXpQYldIaEZYR0ZNUWJCMDV1cDR1NGs4UTFqR0FibDRoODYtZElZRVBCS1d1Z0ttUnFzcFZSRVJWdmN4Rklfamp0YXZVd2Jr?oc=5) · everettindependent.com
- 2024-11-13 [News - Eagle Bank notifies customers of potential data breach compromising Mastercard accounts - teiss](https://news.google.com/rss/articles/CBMivwFBVV95cUxOTkN2Q0VkMXpVQ0JTdFRxQ2pOSjktTWN3U0VSdmtVUmwyWlNKZkxYMmF5TG5ybjZuWUxQeTI1bDhPY3NpeEpqWnNkMVI1Z2ZuMDNMRU0zYmtqSE1rTVdaaEk0R1NfNklGZWwxY29YYVo3Y1BtdThwb0VTWmpXdXREQ2xJQXo5WGxEMTZ6Rm5zT0FpWmQ5RzdhcjZwYUoxeWJaOUxZc2o3ZFJpa2tzelc2a0U4UUlPWlIyc1VkZ09hZw?oc=5) · teiss

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90191 (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/15.json (key "90191", 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