EagleBank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) dropped 24.52 percentage points in Q2 2026, from 290.41% to 265.89%. It was the largest change from Q1 2026 among the key lines here. EagleBank ranks 20th of 27 Maryland banks on loan-to-deposit ratio, in the lower half at 81.35% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. EagleBank sits 6.85 points lower, at 81.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.67B |
| Net loans and leases | $6.55B |
| Loans held for sale | $49.7M |
| Loans to total assets | 69.37% |
| Loan-to-deposit ratio | 81.35% |
| Net loans to equity capital | 5.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.78% |
| Multifamily (5+ residential) | 12.06% |
| Commercial and industrial | 18.36% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 265.89% |
| Construction concentration (Tier 1 capital + allowance) | 69.39% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.23% |
| Interest income on loans | $106.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.92B | $8.41B | 45.47% | 10.26% | 0.01% |
| Q4 2023 | $7.97B | $8.85B | 44.91% | 10.04% | 0.01% |
| Q1 2024 | $7.98B | $8.54B | 44.49% | 9.49% | 0.01% |
| Q2 2024 | $8.01B | $8.30B | 43.85% | 9.37% | 0.01% |
| Q3 2024 | $7.97B | $8.57B | 43.80% | 8.72% | 0.01% |
| Q4 2024 | $7.93B | $9.15B | 42.08% | 9.22% | 0.01% |
| Q1 2025 | $7.96B | $9.29B | 43.04% | 8.77% | 0.01% |
| Q2 2025 | $7.76B | $9.13B | 42.88% | 9.97% | 0.04% |
| Q3 2025 | $7.44B | $9.47B | 42.10% | 11.23% | 0.02% |
| Q4 2025 | $7.37B | $9.14B | 42.31% | 13.19% | 0.01% |
| Q1 2026 | $6.99B | $8.60B | 45.48% | 15.30% | 0.02% |
| Q2 2026 | $6.67B | $8.20B | 43.78% | 18.36% | 0.01% |
EagleBank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock EagleBank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full EagleBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34742) · FFIEC NIC profile (RSSD 2652092)