EagleBank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 8.61 percentage points in Q2 2026, from 79.87% to 88.48%. It was the largest change from Q1 2026 among the key lines here. EagleBank ranks 21st of 27 Maryland banks on return on assets, in the lower half at 0.35% (Q2 2026). EagleBank's return on assets of 0.35% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.92 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.95% |
| Tier 1 risk-based capital ratio | 14.95% |
| Total risk-based capital ratio | 16.20% |
| Tier 1 leverage ratio | 11.49% |
| Equity capital to assets | 12.19% |
| Tangible equity to tangible assets | 12.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.05% |
| Non-performing assets ratio | 1.44% |
| Net charge-off ratio | 2.78% |
| Texas ratio | 10.73% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 88.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.35% |
| Return on equity | 3.19% |
| Net interest margin | 2.61% |
| Efficiency ratio | 55.79% |
| Yield on earning assets | 5.12% |
| Cost of funds | 2.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.35% |
| Core deposits to total deposits | 59.56% |
| Brokered deposits to total deposits | 31.92% |
| Deposits to assets | 85.27% |
| Securities to assets | 17.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.72% | 13.72% | 14.59% | 10.99% | 0.92% |
| Q4 2023 | 13.91% | 13.91% | 14.81% | 10.72% | 0.67% |
| Q1 2024 | 13.81% | 13.81% | 14.89% | 10.25% | 0.00% |
| Q2 2024 | 13.95% | 13.95% | 15.10% | 10.59% | -2.65% |
| Q3 2024 | 14.38% | 14.38% | 15.59% | 10.81% | 0.69% |
| Q4 2024 | 14.77% | 14.77% | 16.00% | 10.82% | 0.64% |
| Q1 2025 | 14.82% | 14.82% | 16.08% | 11.24% | 0.12% |
| Q2 2025 | 14.25% | 14.25% | 15.51% | 10.78% | -2.24% |
| Q3 2025 | 13.85% | 13.85% | 15.11% | 10.57% | -2.24% |
| Q4 2025 | 13.36% | 13.36% | 14.61% | 9.92% | 0.02% |
| Q1 2026 | 14.13% | 14.13% | 15.39% | 10.87% | 0.61% |
| Q2 2026 | 14.95% | 14.95% | 16.20% | 11.49% | 0.35% |
EagleBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock EagleBank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)