Eaglebank
Bethesda, Maryland · $9.62B in assets · beside the 11 other the Mid-Atlantic banks between $3B and $10B (the state alone holds too few in the band to rank)
The filing
Eaglebank is the second largest of the 12 the Mid-Atlantic banks nearest its size between $3B and $10B, with $9.62B in assets at 30 June 2026. Loans are 81.4% of deposits, 3rd of 12 against a median of 91.3%, and equity is 12.2% of assets, 4th of 12. Loans grew -14.0% in the year, the slowest in the cohort, and deposits fell 10.2%; the cohort's median loan growth is +5.7%.
Noncurrent loans are 2.05% of the book, 11th of 12 against a median of 0.99%; 0.66% is 30 to 89 days past due, and the allowance covers them 0.9 times. Net charge-offs are 2.21% of loans, 11th of 12. Commercial real estate is 50.8% of loans, 11th of 12 against a median of 44.0%, and 258% of capital, below the 300% screen, with construction at 70% against the 100% screen.
Return on assets is 0.49%, 10th of 12 against a median of 1.00%, on an efficiency ratio of 58.9%, 6th of 12. Five years ago it was 1.71%. The question is which of these lines moves first over the next four quarters, and against which peer.
SBA 7(a), FY2008 to FY2026
Eaglebank is the 14th largest 7(a) lender into Maryland of 268, with $91M across 145 loans, 1.6% of everything approved in the state (Manufacturers and Traders Trust Company leads with $813M). 31 of its 40 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.
| County | Approved | Rank | Share | Trend |
|---|---|---|---|---|
| District Of Columbia, DC | $47M | 2nd of 130 | 6.4% | +1.1 pts |
| Fairfax, VA | $39M | 7th of 169 | 3.2% | -1.9 pts |
| Montgomery, MD | $38M | 5th of 144 | 4.3% | -1.8 pts |
| Prince Georges, MD | $25M | 6th of 138 | 3.5% | -1.7 pts |
| Loudoun, VA | $15M | 9th of 134 | 2.6% | thin |
| Arlington, VA | $12M | 4th of 73 | 6.4% | quiet FY2019 |
| Howard, MD | $10M | 13th of 114 | 2.1% | quiet FY2022 |
| Anne Arundel, MD | $7M | 26th of 116 | 1.1% | thin |
| Alexandria City, VA | $6M | 11th of 83 | 2.5% | quiet FY2017 |
| Saint Johns, FL | $4M | 40th of 113 | 0.7% | quiet FY2016 |
| Sussex, DE | $3M | 13th of 58 | 1.2% | quiet FY2018 |
| Baltimore City, MD | $3M | 42nd of 119 | 0.5% | quiet FY2018 |
| Carroll, MD | $2M | 17th of 54 | 1.7% | quiet FY2013 |
| Industry | Loans | Approved | Share of book | Share of sector | Rank |
|---|---|---|---|---|---|
| Accommodation & food services | 116 | $67M | 28.2% | 0.09% | 181st of 2,596 |
| Health care & social assistance | 36 | $27M | 11.5% | 0.06% | 208th of 2,172 |
| Professional & technical services | 50 | $27M | 11.1% | 0.08% | 155th of 1,955 |
| Retail trade | 30 | $18M | 7.3% | 0.03% | 338th of 2,589 |
| Other services | 27 | $15M | 6.1% | 0.04% | 288th of 2,248 |
Commercial real estate against capital
| Eaglebank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 258% | 5th of 12 | 267% |
| Construction against capital, the 100% screen | 70% | 12th of 12 | 37% |
| Construction and land development, share of loans | 13.8% | 12th of 12 | 5.0% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 24.8% | 10th of 12 | 20.2% |
| Total CRE, the guidance definition, share of loans | 50.8% | 11th of 12 | 44.0% |
| CRE growth over 36 months, the third prong | -31.5% | 2nd of 12 | +13.2% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $9.94B | 1.5% | 55.1% | 0.50% | 0.07% | 1.2% | 99.2% | 13.8% | |
| $9.62B | 0.5% | 58.9% | 2.05% | 2.21% | 1.8% | 81.4% | 12.2% | |
| $9.41B | 1.3% | 47.7% | 1.99% | 0.25% | 1.3% | 60.7% | 9.2% | |
| $8.86B | 1.2% | 52.2% | 0.91% | 1.27% | 0.8% | 94.3% | 10.9% | |
| $8.79B | 1.4% | 53.1% | 0.80% | 0.07% | 0.9% | 92.1% | 9.3% | |
| $8.53B | 0.1% | 83.0% | 2.79% | 2.69% | 1.4% | 89.0% | 12.1% | |
| $8.48B | 0.6% | 72.9% | 1.45% | 0.22% | 0.9% | 83.3% | 12.2% | |
| $8.41B | 1.4% | 57.5% | 0.84% | 0.05% | 1.0% | 90.6% | 10.9% | |
| $8.17B | 1.3% | 60.2% | 0.62% | 0.09% | 1.3% | 100.2% | 11.3% | |
| $7.96B | 0.8% | 64.2% | 1.07% | 0.52% | 1.0% | 94.5% | 8.8% | |
| $7.67B | 0.5% | 71.9% | 0.81% | 0.02% | 0.8% | 102.5% | 9.4% | |
| $7.55B | 0.7% | 67.3% | 1.85% | 0.18% | 0.7% | 81.1% | 12.8% |
| Eaglebank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $7.32B | $6.67B | -9% | $4.24B | $6.55B | +54% |
| Deposits | $9.12B | $8.20B | -10% | $5.29B | $7.17B | +36% |
| NPA / loans | 0.68% | 2.05% | +1.38 pts | 0.85% | 0.99% | +0.14 pts |
| Efficiency | 35.8% | 58.9% | +23.1 pts | 57.7% | 59.6% | +1.9 pts |
| ROA | 1.71% | 0.49% | -1.22 pts | 1.24% | 1.00% | -0.24 pts |
This read was prepared for Eaglebank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Eaglebank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort Mid-Atlantic banks $3B to $10B
Institution www.eaglebankcorp.com
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