Earnings summaries and quarterly performance for EAGLE BANCORP.
Executive leadership at EAGLE BANCORP.
Susan Riel
Detailed
President and Chief Executive Officer
CEO
EN
Eric Newell
Detailed
Senior Executive Vice President and Chief Financial Officer
EL
Evelyn Lee
Detailed
Executive Vice President and Chief Commercial & Industrial Lending Officer
KG
Kevin Geoghegan
Detailed
Executive Vice President and Chief Credit Officer
PS
Paul Saltzman
Detailed
Executive Vice President and Chief Legal Officer
RR
Ryan Riel
Detailed
Senior Executive Vice President and Chief Real Estate Lending Officer
Board of directors at EAGLE BANCORP.
BS
Benjamin Soto
Detailed
Director
JS
James Soltesz
Detailed
Chair of the Board
KP
Kris Pederson
Detailed
Director
LL
Leslie Ludwig
Detailed
Director
MB
Matthew Brockwell
Detailed
Director
PM
Pete Mathews
Detailed
Vice Chairman of the Board
SF
Steven Freidkin
Detailed
Director
TW
Ted Wilm
Detailed
Director
TL
Theresa LaPlaca
Detailed
Director
Research analysts who have asked questions during EAGLE BANCORP earnings calls.
Catherine Mealor
Keefe, Bruyette & Woods
8 questions for EGBN
Also covers: ABCB, AUB, CADE +21 more
Justin Crowley
Piper Sandler Companies
8 questions for EGBN
Also covers: BLFY, CIVB, STBA
Christopher Marinac
Janney Montgomery Scott LLC
7 questions for EGBN
Also covers: ABCB, BFST, BKU +25 more
BS
Brett Steiner
IBIS Capital Advisors
2 questions for EGBN
DC
David Chiaverini
Wedbush Securities Inc.
2 questions for EGBN
Also covers: AX, BANC, BOKF +17 more
James Abbott
Barclays
2 questions for EGBN
Also covers: REYN
Nick Grant
North Reef Capital
2 questions for EGBN
Recent press releases and 8-K filings for EGBN.
Eagle Bancorp Reports Q4 2025 Results with Decreased Credit Losses and Strong Capital
EGBN
Earnings
New Projects/Investments
Guidance Update
- Eagle Bancorp reported a Net Interest Income of $68.3 million for Q4 2025, a slight increase quarter-over-quarter, though the Net Interest Margin decreased to 2.38%. The Provision for Credit Losses significantly decreased to $15.5 million in Q4 2025 from $113.2 million in the prior quarter, with net charge-offs also falling to $12.3 million from $140.8 million.
- As of December 31, 2025, the company maintained strong capital levels with a CET1 Ratio of 13.83% and Tangible Common Equity / Tangible Assets of 10.87%. It also reported robust liquidity with $4.7 billion in combined on-balance sheet liquidity and available borrowing capacity, covering 199% of its uninsured deposits.
- Eagle Bancorp continued to reduce its exposure to income-producing office loans, bringing the portfolio down to $577 million, or 8% of total loans, by December 31, 2025, with 81.3% of these loans rated pass. Management expects $254 million from the investment portfolio to be redeployed into higher yielding assets in 2026.
Jan 22, 2026, 3:00 PM
Eagle Bancorp Reports Q4 2025 Net Income and Improved Asset Quality, Provides 2026 Guidance
EGBN
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Eagle Bancorp reported net income of $7.6 million, or $0.25 per diluted share, for Q4 2025, a significant improvement from a $67.5 million loss in the prior quarter.
- Asset quality metrics improved, with non-performing loans declining to $106.8 million (1.47% of total loans) and special mention and substandard loans decreasing by $175.1 million to $783.4 million (10.6% of total loans) at year-end 2025.
- The company's capital remains strong, with tangible common equity to tangible assets at 10.87% and tangible book value per share increasing $0.59 to $37.59.
- Management provided 2026 guidance, forecasting Net Interest Margin (NIM) between 2.6%-2.8%, non-interest income to increase by 15%-25%, and non-interest expense to decline between flat and 4%, despite an expected decline in average balance sheet size due to deliberate repositioning.
- During 2025, brokered deposits were reduced by $602 million, while core deposits increased by $692 million, with further reductions in brokered deposits planned for 2026.
Jan 22, 2026, 3:00 PM
Eagle Bancorp Reports Improved Q4 2025 Results and Provides 2026 Outlook
EGBN
Earnings
Guidance Update
- Eagle Bancorp reported net income of $7.6 million, or $0.25 per diluted share, for Q4 2025, a significant improvement from a $67.5 million loss in the prior quarter.
- Asset quality improved meaningfully, with non-performing loans declining by $12 million to $106.8 million (1.47% of total loans) and special mention and substandard loans decreasing by $175.1 million to $783.4 million (10.6% of total loans) at year-end 2025. The provision for credit losses also declined to $15.5 million.
- The company continued its balance sheet repositioning, reducing loans held for sale to $90.7 million at December 31, 2025, with two-thirds expected to be resolved in Q1 2026. Brokered deposits were reduced by $602 million in 2025, and core deposits increased by $692 million.
- For 2026, Eagle Bancorp forecasts a net interest margin (NIM) between 2.6% and 2.8%, a 15%-25% increase in non-interest income, and a flat to 4% decline in non-interest expense, despite an expected year-over-year decline in average deposits, loans, and earning assets due to deliberate repositioning. The balance sheet is expected to shrink in the first half of 2026, with stabilization and period-end growth in the second half.
Jan 22, 2026, 3:00 PM
Eagle Bancorp Reports Improved Q4 2025 Results and Provides 2026 Outlook
EGBN
Earnings
Guidance Update
- Eagle Bancorp reported net income of $7.6 million, or $0.25 per diluted share, for the fourth quarter of 2025, a significant improvement from a $67.5 million loss in the prior quarter.
- Asset quality metrics showed improvement, with non-performing loans declining to $106.8 million (1.47% of total loans) and total non-performing assets decreasing to $108.9 million (1.04% of total assets) at December 31, 2025. Special mention and substandard loans also decreased by $175.1 million to $783.4 million.
- The company reduced brokered deposits by $602 million in 2025, while increasing core deposits by $692 million, and plans to further reduce the remaining $1.56 billion in brokered deposits during 2026.
- For 2026, Eagle Bancorp forecasts a Net Interest Margin (NIM) between 2.6% and 2.8%, a 15%-25% increase in non-interest income, and a decline of 0-4% in non-interest expense, anticipating an expansion in pre-provision net revenue despite a smaller average balance sheet.
Jan 22, 2026, 3:00 PM
Eagle Bancorp, Inc. Announces Fourth Quarter 2025 Results and Cash Dividend
EGBN
Earnings
Dividends
- Eagle Bancorp, Inc. reported a net income of $7.6 million or $0.25 per share for the fourth quarter ended December 31, 2025, marking a return to profitability from a net loss in the prior quarter.
- The Company announced a cash dividend of $0.01 per share, payable on February 13, 2026, to shareholders of record on February 2, 2026.
- Nonperforming assets decreased by $24.4 million to $108.9 million as of December 31, 2025, representing 1.04% of total assets, and annualized quarterly net charge-offs were 0.67% for Q4 2025, down from 7.36% in Q3 2025.
- As of December 31, 2025, the Common Equity Tier 1 (CET1) ratio was 13.83% and the tangible common equity ratio was 10.87%.
Jan 21, 2026, 9:24 PM
Eagle Bancorp Reports Return to Profitability in Q4 2025 and Declares Cash Dividend
EGBN
Earnings
Dividends
- Eagle Bancorp reported a net income of $7.6 million or $0.25 per share for the fourth quarter of 2025, a significant improvement from a net loss of $67.5 million or $(2.22) per share in the third quarter.
- This return to profitability was primarily driven by a $97.7 million decrease in provision expense.
- Asset quality improved, with nonperforming assets decreasing by $24.4 million to $108.9 million as of December 31, 2025, and annualized quarterly net charge-offs falling to 0.67% from 7.36% in the prior quarter.
- The company announced a cash dividend of $0.01 per share, payable on February 13, 2026, to shareholders of record on February 2, 2026.
- Total loans decreased by 1% to $7.4 billion, and total deposits decreased by 4% to $9.1 billion at December 31, 2025.
Jan 21, 2026, 9:15 PM
Eagle Bancorp Announces Leadership Transition
EGBN
CEO Change
Board Change
Management Change
- Susan G. Riel, Chair, President, and CEO of Eagle Bancorp, Inc., has announced her intention to retire as President and Chief Executive Officer in 2026.
- Ms. Riel will relinquish her Chair role, effective November 4, 2025, but will continue to serve as a director on the Board.
- James A. Soltesz has been appointed as independent Chair of the Board, and Louis P. Mathews Jr. as Vice Chair, both effective November 4, 2025.
- The Board has engaged an executive search firm to identify Ms. Riel's successor as President and CEO, with her resignation from these roles effective no later than December 31, 2026.
Nov 3, 2025, 9:13 PM
Eagle Bancorp, Inc. Reports Q3 2025 Net Loss Amidst Credit Cleanup Efforts
EGBN
Earnings
Demand Weakening
Management Change
- Eagle Bancorp, Inc. reported a net loss of $67.5 million, or $2.22 per share, for Q3 2025, compared to a $69.8 million loss, or $2.30 per share, in the prior quarter.
- The company recorded a $113.2 million provision for credit losses, primarily related to its office portfolio, and moved $121 million of criticized office loans to held-for-sale status. Total criticized and classified office loans declined to $113.1 million at September 30, 2025.
- An independent credit evaluation concluded potential commercial loan losses of $257 million under a baseline scenario as of July 31, 2025, with management asserting they are adequately reserved and believe the bulk of loss recognition is behind them.
- The company's capital position remains strong, with tangible common equity to tangible assets at 10.39% and $5.3 billion in available liquidity. Broker deposits were reduced by $534 million year to date.
- The Chief Credit Officer, Kevin Geoghegan, voluntarily resigned effective December 31, 2025, with interim replacements appointed. The company anticipates manageable provisions and improved earnings in 2026.
Oct 23, 2025, 2:00 PM
Eagle Bancorp Inc. Reports Q3 2025 Net Loss Amidst Credit Cleanup and Management Change
EGBN
Earnings
Guidance Update
Management Change
- Eagle Bancorp Inc. reported a net loss of $67.5 million, or $2.22 per share, for Q3 2025, while its Net Interest Margin (NIM) expanded six basis points to 2.43% and Net Interest Income (NII) grew to $68.2 million.
- The company made significant progress in addressing asset quality, reducing criticized office loans from $302 million at March 31 to $113.1 million at September 30, and moving $121 million of criticized office loans to held-for-sale status in the quarter.
- An independent credit review validated the adequacy of current provisioning, concluding total potential commercial loan losses of $257 million under a baseline scenario as of July 31, with management stating that the bulk of loss recognition is behind them.
- Despite an increase in total criticized and classified loans to $958 million (driven by a $204 million rise in multifamily loans), the company's capital position remains strong, with tangible common equity to tangible assets at 10.39%, Tier 1 leverage ratio at 10.4%, and CET1 at 13.58%.
- For 2026, management forecasts net interest income to grow, provisions to be manageable, and earnings to improve, expecting criticized and classified loans to decline. Kevin Geoghegan, Chief Credit Officer, voluntarily resigned effective December 31, with interim replacements appointed.
Oct 23, 2025, 2:00 PM
Quarterly earnings call transcripts for EAGLE BANCORP.
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