# EDGAR Filing Document

**Accession Number:** 0001050441
**File Stem:** 0001050441-26-000006
**Filing Date:** 2026-1
**Character Count:** 70681
**Document Hash:** 6200e8d022da30e0f747deeaa680e0c1
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001050441-26-000006.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0001050441-26-000006

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 62

**CONFORMED PERIOD OF REPORT**: 20260121

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** EAGLE BANCORP INC
- **CENTRAL INDEX KEY:** 0001050441
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 522061461
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-25923
- **FILM NUMBER:** 26548138

**BUSINESS ADDRESS:**
- **STREET 1:** 7830 OLD GEORGETOWN ROAD
- **STREET 2:** 3RD FLOOR
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20814
- **BUSINESS PHONE:** 240-497-2075

**MAIL ADDRESS:**
- **STREET 1:** 7830 OLD GEORGETOWN ROAD
- **STREET 2:** 3RD FLOOR
- **CITY:** BETHESDA
- **STATE:** MD
- **ZIP:** 20814

?xml version='1.0' encoding='ASCII'? gnw-20260121

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d)**

**of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported): January 21, 2026**

**EAGLE BANCORP, INC.**

(Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **Maryland** | **0-25923** | **52-2061461** |
| (State or Other Jurisdiction of Incorporation) | (Commission File Number) | (I.R.S. Employer Identification No.) |

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**7500 Old Georgetown Road, 15th Floor** 

**Bethesda, Maryland 20814** 

(Address of Principal Executive Offices) (Zip Code)

**(301) 986-1800** 

(Registrant's telephone number, including area code)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| Common Stock, $0.01 par value | EGBN | The Nasdaq Stock Market LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 2.02. Results of Operations and Financial Condition.**

On January 21, 2026, Eagle Bancorp, Inc. (the "Company") issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

**Item 7.01. Regulation FD Disclosure.**

Attached as Exhibit 99.2 to this report is the presentation for the Company's earnings conference call on January 22, 2026, which also may be used in connection with potential meetings with investors and/or analysts. The Company does not undertake to update the information contained in the attached presentation materials.

The information contained in this Current Report on Form 8-K that is furnished under Items 2.02 and 7.01, including the accompanying Exhibits 99.1 and 99.2, is being furnished pursuant to Items 2.02 and 7.01 of Form 8-K and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability of that section. The information contained in this Current Report on Form 8-K that is furnished under Items 2.02 and 7.01, including the accompanying Exhibits 99.1 and 99.2, shall not be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference in such a filing.

**Item 9.01. Financial Statements and Exhibits.**

(d) Exhibits.

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| | |
|:---|:---|
| **<u>Exhibit Number</u>** | **<u>Description</u>** |
| <u>[99.1](erq4-2025xearningsreleas.htm)</u> | Press Release dated January 21, 2026 |
| <u>[99.2](a4q2025egbnearningsdeck1.htm)</u> | Earnings Presentation |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

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**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | **EAGLE BANCORP, INC.** | **EAGLE BANCORP, INC.** |
| Date: January 21, 2026 | By: | <u>/s/ Eric R. Newell&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> |
|  |  | Eric R. Newell |
|  |  | Senior Executive Vice President, Chief Financial Officer |

---

## Exhibit 99.1

![](erq4-2025xearningsreleas001.jpg)

PRESS RELEASE FOR EAGLE BANCORP, INC. IMMEDIATE RELEASE CONTACT: Eric R. Newell January 21, 2026 240.497.1796 EAGLE BANCORP, INC. ANNOUNCES FOURTH QUARTER 2025 RESULTS AND CASH DIVIDEND BETHESDA, MD, Eagle Bancorp, Inc. ("Eagle" or the "Company") (NASDAQ: EGBN), the Bethesda-based holding company for EagleBank, one of the largest community banks in the Washington D.C. area, reported its unaudited results for the fourth quarter ended December 31, 2025. Eagle reported a net income of $7.6 million or $0.25 per share for the fourth quarter 2025, compared to a net loss of $67.5 million or $(2.22) per share for the third quarter. The $75.1 million improvement from the prior quarter is primarily due to a $97.7 million decrease in provision expense, offset by a $14.3 million reduction in the tax benefit. In the quarter, net interest income increased by $0.1 million, noninterest income increased by $9.7 million, and noninterest expenses increased by $17.9 million. Pre-provision net revenue ("PPNR")1 in the fourth quarter was $20.7 million compared to $28.8 million for the prior quarter. The decrease is primarily due to a $17.9 million increase in noninterest expense, which was driven by higher costs associated with the disposition of certain loans held for sale ("HFS") and valuation adjustment on the remaining HFS portfolio. "The quarter marked a return to profitability, supported by a lower provision expense as we continued to execute on credit risk reduction actions," said Susan G. Riel, President, and Chief Executive Officer of the Company. "We are encouraged by our early progress and remain focused on our efforts to improve results. We will remain disciplined in executing on asset disposition strategies that are reducing exposures and improving overall credit quality." Ms. Riel added, "Building on the funding progress made in 2025, we will remain committed to improving our funding mix in 2026 to drive stronger pre-provision net revenue and improved returns. We are repositioning the balance sheet for more durable performance — reducing concentrations to commercial real estate and construction loans, improving criticized and classified trends, and continuing to decrease held-for-sale exposure through planned first- quarter dispositions that lower mark-to-market sensitivity." Additionally, the Company is announcing today a cash dividend in the amount of $0.01 per share. The cash dividend will be payable on February 13, 2026 to shareholders of record on February 2, 2026. 1 1 A reconciliation of non-GAAP financial measures and the nearest GAAP measures is provided in the GAAP Reconciliation to Non-GAAP Financial Measures tables that accompany this document.

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![](erq4-2025xearningsreleas002.jpg)

Fourth Quarter of 2025 Key Elements • The Company announces today the declaration of a common stock dividend of $0.01 per share. • Total C&I loans (including owner-occupied) increased $301.0 million or 10.95%, and average C&I deposits increased $367.0 million, or 22.30% from the previous quarter. • The ACL as a percentage of total loans was 2.19% at quarter-end; up from 2.14% at the prior quarter-end. Performing office coverage2 was 12.89% at quarter-end; as compared to 11.36% at the prior quarter-end. • Nonperforming assets decreased by $24.4 million to $108.9 million as of December 31, 2025, representing 1.04% of total assets, compared to $133.3 million, representing 1.23% of total loans as of September 30, 2025. During the quarter, nonperforming loan inflows totaled $26.1 million. Reductions of $50.5 million reflected underlying collateral liquidations, disposition of other real estate owned ("OREO") and sales of loans. • Substandard and special mention loans totaled $783.4 million at December 31, 2025, compared to $958.5 million in the prior quarter. • Annualized quarterly net charge-offs for the fourth quarter of 2025 were 0.67% compared to 7.36% for the third quarter of 2025. • The net interest margin ("NIM") decreased to 2.38% for the fourth quarter of 2025, compared to 2.43% for the prior quarter, primarily driven by a mix shift between loans and cash, partially offset by improved time deposit cost from reduced brokered time deposit usage. • At quarter-end, the common equity ratio, tangible common equity ratio1, and common equity tier 1 capital (to risk-weighted assets) ratio were 10.87%, 10.87%, and 13.83%, respectively. • Total estimated insured deposits decreased at quarter-end to $6.9 billion, representing 75.3% of deposits, compared to $7.2 billion, or 75.6% in the prior quarter. • Total on-balance sheet liquidity and available capacity was $4.7 billion, compared to $2.3 billion in uninsured deposits, resulting in a coverage ratio of over 199%. Income Statement • Net interest income was relatively flat at $68.3 million for the fourth quarter of 2025, compared to $68.2 million for the prior quarter. Both interest income and interest expense declined during the quarter, reflecting the impact of lower market rates and declining average balances. • Provision for credit losses was $15.5 million for the fourth quarter of 2025, compared to $113.2 million for the prior quarter. The decrease was primarily driven by lower charge- offs compared to prior quarter. Net charge-offs totaled $12.3 million, a decrease from $140.8 million in the prior quarter. The provision related to the reserve for unfunded 2 1 A reconciliation of non-GAAP financial measures and the nearest GAAP measures is provided in the GAAP Reconciliation to Non-GAAP Financial Measures tables that accompany this document. 2 Calculated as the ACL attributable to loans collateralized by performing office properties as a percentage of total office loans.

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![](erq4-2025xearningsreleas003.jpg)

commitments was $203 thousand, compared to a reversal of $38 thousand in the prior quarter. • Noninterest income was $12.2 million for the fourth quarter of 2025, compared to $2.5 million for the prior quarter. The increase was primarily driven by losses in the third quarter that did not reoccur in the fourth quarter, and an increase in other income as a result of SBIC investments and gains on sale of OREO during the quarter. • Noninterest expense was $59.8 million for the fourth quarter of 2025, compared to $41.9 million for the prior quarter. The increase over the linked quarter was primarily due to $6.3 million in higher costs associated with the disposition of certain HFS loans and $8.4 million in valuation adjustment on the remaining HFS portfolio. • Income tax benefit was $2.6 million for the fourth quarter of 2025, compared to a $19.9 million benefit for the prior quarter. The Company had income tax benefit, despite a profitable fourth quarter, primarily due to tax credit purchase and tax equity investments during the quarter that generated $3.6 million in tax benefits. Loans and Funding • Total loans, including loans held for sale, were $7.4 billion at December 31, 2025, a decrease of 1% from the prior quarter-end. The decrease in total loans was primarily driven by declines in income-producing real estate loans, partially offset by an increase in commercial and industrial loans. • Total deposits at quarter-end were $9.1 billion, down $0.3 billion, or 4%, from the prior quarter-end. The decrease was primarily driven by lower balances in brokered time deposit accounts and noninterest bearing deposits. Deposits increased $2.5 million compared to December 31, 2024. Asset Quality • Allowance for credit losses was 2.19% of total loans held for investment at December 31, 2025, compared to 2.14% at the prior quarter-end. Performing office coverage was 12.89% at quarter-end; as compared to 11.36% at the prior quarter-end. • Net charge-offs were $12.3 million for the quarter compared to $140.8 million in the third quarter of 2025. • Nonperforming assets were $108.9 million at December 31, 2025. ◦ NPAs as a percentage of assets were 1.04% at December 31, 2025, compared to 1.23% at the prior quarter-end. At December 31, 2025, OREO consisted of three properties with an aggregate carrying value of $2.1 million. ◦ Loans 30-89 days past due were $49.9 million at December 31, 2025, compared to $29.1 million at the prior quarter-end. 3

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![](erq4-2025xearningsreleas004.jpg)

Capital • Total shareholders' equity was $1.1 billion at December 31, 2025, up 1.6% from the prior quarter-end. The increase in shareholders' equity of $17.8 million was primarily due to quarterly income that increased capital. • Book value per share and tangible book value per share3 were $37.59 and $37.59, an increase of 1.6% from the prior quarter-end. 4 3 A reconciliation of non-GAAP financial measures and the nearest GAAP measures is provided in the GAAP Reconciliation to Non-GAAP Financial Measures tables that accompany this document.

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![](erq4-2025xearningsreleas005.jpg)

Additional financial information: The financial information that follows provides more detail on the Company's financial performance for the three months ended December 31, 2025 as compared to the three months ended September 30, 2025 and December 31, 2024, as well as eight quarters of trend data. Persons wishing additional information should refer to the Company's Annual Report on Form 10-K for the year ended December 31, 2024, and other reports filed with the SEC. About Eagle Bancorp: The Company is the holding company for EagleBank, which commenced operations in 1998. The Bank is headquartered in Bethesda, Maryland, and operates through twelve banking offices and four lending offices located in Suburban Maryland, Washington, D.C. and Northern Virginia. The Company focuses on building relationships with businesses, professionals and individuals in its marketplace, and is committed to a culture of respect, opportunity, belonging, and inclusion in both its workplace and the communities in which it operates. Conference call: Eagle Bancorp will host a conference call to discuss its fourth quarter of 2025 financial results on Thursday, January 22, 2026 at 10:00 a.m. Eastern Time. The listen-only webcast can be accessed at: • https://edge.media-server.com/mmc/p/35j4x675/ • For analysts who wish to participate in the conference call, please register at the following URL: https://register-conf.media-server.com/register/BI89ddf0d53da24dc0bc55096224de408f • A replay of the conference call will be available on the Company's website through Thursday, February 5, 2026: https://www.eaglebankcorp.com/ Forward-looking statements: This press release contains forward-looking statements within the meaning of the Securities Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events, financial condition, asset quality or results of Company operations and policies and regarding general economic conditions. In some cases, forward-looking statements can be identified by use of words such as "may," "will," "can," "anticipates," "believes," "expects," "plans," "strategy," "estimates," "potential," "continue," "should," "could," "strive," "feel" and similar words or phrases. These statements are based upon current and anticipated economic conditions, nationally and in the Company's market (including reductions in the size of the federal government workforce; changes in government spending; the economic effects of an extended government shutdown; the proposal, announcement or imposition of tariffs; volatility in interest rates and interest rate, monetary and fiscal policy; inflation levels; competitive factors; our ability to access cost-effective funding) and other conditions (such as the impact of bank failures, credit losses or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment regarding the stability and liquidity of banks), which by their nature are not susceptible to accurate forecast and are subject to significant uncertainty. Because of these uncertainties and the assumptions on which this discussion and the forward-looking statements are based, actual future operations and results in the future may differ materially from those indicated herein. For details on factors that could affect these expectations, see the risk factors and other cautionary language included in the Company's Annual Report on Form 10-K for the year ended December 31, 2024 and in other periodic and current reports filed with the SEC, including the Company's Quarterly Reports on Form 10-Q. Readers are cautioned against placing undue reliance on any such forward-looking statements. The Company's past results are 5

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not necessarily indicative of future performance. All information is as of the date of this press release. Any forward-looking statements made by or on behalf of the Company speak only as to the date they are made. Except to the extent required by applicable law or regulation, the Company undertakes no obligation to revise or update publicly any forward-looking statement for any reason. 6

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![](erq4-2025xearningsreleas007.jpg)

Eagle Bancorp, Inc. Consolidated Statements of Operations (Unaudited) (Dollars in thousands, except per share data) Three Months Ended December 31, September 30, December 31, 2025 2025 2024 Interest Income Interest and fees on loans $119,744 $123,704 $132,943 Interest and dividends on investment securities 10,083 10,527 12,307 Interest on balances with other banks and short-term investments 19,699 15,872 23,167 Total interest income 149,526 150,103 168,417 Interest Expense Interest on deposits 79,147 79,385 83,002 Interest on customer repurchase agreements 52 202 294 Interest on other short-term borrowings — 332 9,530 Interest on long-term borrowings 2,024 2,025 4,797 Total interest expense 81,223 81,944 97,623 Net Interest Income 68,303 68,159 70,794 Provision for Credit Losses 15,468 113,215 12,132 Provision (Reversal) for Credit Losses for Unfunded Commitments 203 (38) (1,598) Net Interest Income (Loss) After Provision for Credit Losses 52,632 (45,018) 60,260 Noninterest Income Service charges on deposits 1,840 1,773 1,744 Gain (loss) on sale of loans (1,137) (3,550) — Net gain (loss) on sale of investment securities 9 (1,982) 4 Increase in cash surrender value of bank-owned life insurance 5,636 5,293 742 Other income 5,844 961 1,577 Total noninterest income 12,192 2,495 4,067 Noninterest Expense Salaries and employee benefits 22,661 21,290 22,597 Premises and equipment expenses 2,861 2,944 2,635 Marketing and advertising 1,185 1,316 1,340 Data processing 4,353 3,950 3,870 Legal, accounting and professional fees 3,100 2,396 641 FDIC insurance 7,709 6,665 9,281 Other expenses 17,968 3,336 4,168 Total noninterest expense 59,837 41,897 44,532 Income (Loss) Before Income Tax Expense 4,987 (84,420) 19,795 Income Tax Expense (Benefit) (2,574) (16,907) 4,505 Net Income (Loss) $7,561 $(67,513) $15,290 Earnings (Loss) Per Common Share Basic $0.25 $(2.22) $0.51 Diluted $0.25 $(2.22) $0.50 7

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![](erq4-2025xearningsreleas008.jpg)

Eagle Bancorp, Inc. Consolidated Balance Sheets (Unaudited) (Dollars in thousands, except per share data) December 31, September 30, December 31, 2025 2025 2024 Assets Cash and due from banks $11,692 $9,395 $14,463 Interest-bearing deposits with banks and other short-term investments 684,001 841,372 619,017 Investment securities available-for-sale at fair value (amortized cost of $1,055,146, $1,161,644, and $1,408,935 respectively, and allowance for credit losses of $—, $—, and $22, respectively) 976,770 1,073,412 1,267,404 Investment securities held-to-maturity at amortized cost, net of allowance for credit losses of $1,030, $1,199, and $1,306 respectively (fair value of $774,947, $786,662, and $820,382 respectively) 854,780 872,418 938,647 Federal Reserve and Federal Home Loan Bank stock 28,327 28,306 51,763 Loans held for sale, at lower of cost or fair value 90,650 136,506 — Loans held for investment, at amortized cost 7,280,459 7,304,679 7,934,888 Less: allowance for credit losses (159,604) (156,228) (114,390) Loans held for investment, net of allowance 7,120,855 7,148,451 7,820,498 Premises and equipment, net 12,800 10,503 7,694 Operating lease right-of-use assets 28,451 29,791 18,494 Deferred income taxes 132,330 77,362 91,472 Bank-owned life insurance 335,177 330,426 115,806 Other real estate owned 2,059 14,684 2,743 Other assets 219,311 242,876 181,491 Total Assets $10,497,203 $10,815,502 $11,129,508 Liabilities and Shareholders' Equity Liabilities Deposits: Noninterest-bearing demand $1,433,952 $1,577,197 $1,544,403 Interest-bearing transaction 1,038,154 932,500 1,211,791 Savings and money market 3,624,813 3,702,579 3,599,221 Time deposits 3,036,687 3,251,283 2,775,663 Total deposits 9,133,606 9,463,559 9,131,078 Customer repurchase agreements — 13,725 33,157 Other short-term borrowings — — 490,000 Long-term borrowings 76,428 76,346 76,108 Operating lease liabilities 35,256 36,278 23,815 Reserve for unfunded commitments 5,090 4,886 3,463 Other liabilities 105,540 97,232 145,826 Total Liabilities 9,355,920 9,692,026 9,903,447 Shareholders' Equity Common stock, par value $0.01 per share; shares authorized 100,000,000, shares issued and outstanding 30,359,632, 30,366,555, and 30,202,003 respectively 300 300 298 Additional paid-in capital 391,204 389,305 384,932 Retained earnings 838,938 831,685 982,304 Accumulated other comprehensive loss (89,159) (97,814) (141,473) Total Shareholders' Equity 1,141,283 1,123,476 1,226,061 Total Liabilities and Shareholders' Equity $10,497,203 $10,815,502 $11,129,508 8

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![](erq4-2025xearningsreleas009.jpg)

Loan Mix and Asset Quality (Dollars in thousands) December 31, September 30, December 31, 2025 2025 2024 Amount % Amount % Amount % Loan Balances - Period End: Commercial $1,338,486 18 % $1,217,908 17 % $1,183,628 15 % Income producing - commercial real estate 3,350,718 45 % 3,453,033 47 % $4,064,846 51 % Owner occupied - commercial real estate 1,657,963 23 % 1,494,711 20 % $1,269,669 16 % Real estate mortgage - residential 37,100 1 % 44,684 1 % $50,535 1 % Construction - commercial and residential 795,400 11 % 1,010,367 14 % $1,210,763 15 % Construction - C&I (owner occupied) 52,629 1 % 33,378 — % $103,259 1 % Home equity 47,448 1 % 49,333 1 % $51,130 1 % Other consumer 715 — % 1,265 — % $1,058 — % Total loans $7,280,459 100 % $7,304,679 100 % $7,934,888 100 % Three Months Ended or As Of December 31, September 30, December 31, 2025 2025 2024 Asset Quality: Nonperforming loans $106,834 $118,647 $208,706 Other real estate owned 2,059 14,684 2,743 Nonperforming assets $108,893 $133,331 $211,449 Net charge-offs $12,259 $140,814 $9,535 Special mention $268,881 $423,685 $244,807 Substandard $514,497 $534,789 $426,366 9

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![](erq4-2025xearningsreleas010.jpg)

Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields And Rates vs. Prior Quarter (Unaudited) (Dollars in thousands) Three Months Ended December 31, 2025 September 30, 2025 Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Assets Interest earning assets: Interest-bearing deposits with other banks and other short-term investments $1,997,019 $19,770 3.93 % $1,449,871 $15,974 4.37 % Loans held for sale (1) 135,981 1,626 4.74 % 19,441 389 7.94 % Loans (1) (2) 7,338,320 118,118 6.39 % 7,648,459 123,315 6.40 % Investment securities available-for-sale (2) 1,050,620 5,501 2.08 % 1,134,993 5,866 2.05 % Investment securities held-to-maturity (2) 867,222 4,582 2.10 % 884,779 4,661 2.09 % Total interest earning assets 11,389,162 149,597 5.21 % 11,137,543 150,205 5.35 % Noninterest earning assets 733,464 658,014 Less: allowance for credit losses (157,925) (198,158) Total noninterest earning assets 575,539 459,856 Total Assets $11,964,701 $11,597,399 Liabilities and Shareholders' Equity Interest bearing liabilities: Interest-bearing transaction $1,574,757 $11,055 2.79 % $1,391,316 $10,824 3.09 % Savings and money market 3,931,453 33,040 3.33 % 3,576,595 30,875 3.42 % Time deposits 3,163,520 35,052 4.40 % 3,312,333 37,686 4.51 % Total interest bearing deposits 8,669,730 79,147 3.62 % 8,280,244 79,385 3.80 % Customer repurchase agreements 6,656 53 3.16 % 25,557 202 3.14 % Derivative collateral liability 6,200 70 4.48 % 9,225 102 4.39 % Other short-term borrowings — — — % 29,350 332 4.49 % Long-term borrowings 76,400 2,024 10.51 % 76,318 2,025 10.52 % Total interest bearing liabilities 8,758,986 81,294 3.68 % 8,420,694 82,046 3.87 % Noninterest bearing liabilities: Noninterest bearing demand 1,920,522 1,882,971 Other liabilities 144,680 111,586 Total noninterest bearing liabilities 2,065,202 1,994,557 Shareholders' equity 1,140,513 1,182,148 Total Liabilities and Shareholders' Equity $11,964,701 $11,597,399 Net interest income $68,303 $68,159 Net interest spread 1.53 % 1.48 % Net interest margin 2.38 % 2.43 % Cost of funds 3.02 % 3.16 % (1) Loans placed on nonaccrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $3.9 million and $3.7 million for the three months ended December 31, 2025 and September 30, 2025, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments. 10

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Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields And Rates vs. Year Ago Quarter (Unaudited) (Dollars in thousands) Three Months Ended December 31, 2025 2024 Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Assets Interest earning assets: Interest-bearing deposits with other banks and other short-term investments $1,997,019 $19,770 3.93 % $1,961,275 $23,167 4.70 % Loans held for sale (1) 135,981 1,626 4.74 % — — — % Loans (1) (2) 7,338,320 118,118 6.39 % 7,971,907 132,943 6.63 % Investment securities available-for-sale (2) 1,050,620 5,501 2.08 % 1,417,958 7,142 2.00 % Investment securities held-to-maturity (2) 867,222 4,582 2.10 % 952,800 5,165 2.16 % Total interest earning assets 11,389,162 149,597 5.21 % 12,303,940 168,417 5.45 % Noninterest earning assets 733,464 386,014 Less: allowance for credit losses (157,925) (114,232) Total noninterest earning assets 575,539 271,782 Total Assets $11,964,701 $12,575,722 Liabilities and Shareholders' Equity Interest bearing liabilities: Interest-bearing transaction $1,574,757 $11,055 2.79 % $1,674,997 $13,048 3.10 % Savings and money market 3,931,453 33,040 3.33 % 3,648,502 35,262 3.84 % Time deposits 3,163,520 35,052 4.40 % 2,804,870 34,692 4.92 % Total interest bearing deposits 8,669,730 79,147 3.62 % 8,128,369 83,002 4.06 % Customer repurchase agreements 6,656 53 3.16 % 38,750 294 3.02 % Derivative collateral liability 6,200 70 4.48 % — — — % Other short-term borrowings — — — % 1,003,587 12,296 4.87 % Long-term borrowings 76,400 2,024 10.51 % 75,939 2,031 10.64 % Total interest bearing liabilities 8,758,986 81,294 3.68 % 9,246,645 97,623 4.20 % Noninterest bearing liabilities: Noninterest bearing demand 1,920,522 1,928,094 Other liabilities 144,680 170,411 Total noninterest bearing liabilities 2,065,202 2,098,505 Shareholders' equity 1,140,513 1,230,573 Total Liabilities and Shareholders' Equity $11,964,701 $12,575,723 Net interest income $68,303 $70,794 Net interest spread 1.53 % 1.25 % Net interest margin 2.38 % 2.29 % Cost of funds 3.02 % 3.48 % (1) Loans placed on nonaccrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $3.9 million and $4.3 million for the three months ended December 31, 2025 and 2024, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments. 11

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Eagle Bancorp, Inc. Statements of Operations and Highlights Quarterly Trends (Unaudited) (Dollars in thousands, except per share data) Three Months Ended December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 Income Statements: Total interest income $149,526 $150,103 $151,443 $153,878 $168,417 $173,813 $169,731 $175,602 Total interest expense 81,223 81,944 83,667 88,229 97,623 101,970 98,378 100,904 Net interest income 68,303 68,159 67,776 65,649 70,794 71,843 71,353 74,698 Provision for credit losses 15,468 113,215 138,159 26,255 12,132 10,094 8,959 35,175 Provision (reversal) for credit losses for unfunded commitments 203 (38) 1,759 (297) (1,598) (1,593) 608 456 Net interest income after provision for credit losses 52,632 (45,018) (72,142) 39,691 60,260 63,342 61,786 39,067 Noninterest income before investment gain 12,183 4,477 8,268 8,203 4,063 6,948 5,329 3,585 Net gain (loss) on sale of investment securities 9 (1,982) (1,854) 4 4 3 3 4 Total noninterest income 12,192 2,495 6,414 8,207 4,067 6,951 5,332 3,589 Salaries and employee benefits 22,661 21,290 21,940 21,968 22,597 21,675 21,770 21,726 Premises and equipment expenses 2,861 2,944 3,019 3,203 2,635 2,794 2,894 3,059 Marketing and advertising 1,185 1,316 1,144 1,371 1,340 1,588 1,662 859 Goodwill impairment — — — — — — 104,168 — Other expenses 33,130 16,347 17,367 18,909 17,960 17,557 15,997 14,353 Total noninterest expense 59,837 41,897 43,470 45,451 44,532 43,614 146,491 39,997 Income (loss) before income tax expense 4,987 (84,420) (109,198) 2,447 19,795 26,679 (79,373) 2,659 Income tax expense (2,574) (16,907) (39,423) 772 4,505 4,864 4,429 2,997 Net income (loss) 7,561 (67,513) (69,775) 1,675 15,290 21,815 (83,802) (338) Per Share Data: Earnings (loss) per weighted average common share, basic $0.25 $(2.22) $(2.30) $0.06 $0.51 $0.72 $(2.78) $(0.01) Earnings (loss) per weighted average common share, diluted $0.25 $(2.22) $(2.30) $0.06 $0.50 $0.72 $(2.78) $(0.01) Weighted average common shares outstanding, basic 30,368,432 30,367,997 30,373,167 30,275,001 30,199,433 30,173,852 30,185,609 30,068,173 Weighted average common shares outstanding, diluted 30,584,374 30,367,997 30,510,847 30,404,262 30,321,644 30,241,699 30,185,609 30,068,173 Actual shares outstanding at period end 30,359,632 30,366,555 30,364,983 30,368,843 30,202,003 30,173,200 30,180,482 30,185,732 Book value per common share at period end $37.59 $37.00 $39.03 $40.99 $40.60 $40.61 $38.75 $41.72 Tangible book value per common share at period end(1) $37.59 $37.00 $39.03 $40.99 $40.59 $40.61 $38.74 $38.26 Dividend per common share $0.010 $0.010 $0.165 $0.165 $— $0.17 $0.45 $0.45 Performance Ratios (annualized): Return on average assets 0.25 % (2.31) % (2.33) % 0.06 % 0.48 % 0.70 % (2.73) % (0.01) % Return on average common equity 2.63 % (22.66) % (22.35) % 0.55 % 4.94 % 7.22 % (26.67) % (0.11) % Return on average tangible common equity(1) 2.63 % (22.66) % (22.35) % 0.55 % 4.94 % 7.22 % (28.96) % (0.11) % Net interest margin 2.38 % 2.43 % 2.37 % 2.28 % 2.29 % 2.37 % 2.40 % 2.43 % Efficiency ratio(1)(2) 74.3 % 59.3 % 58.6 % 61.5 % 59.5 % 55.4 % 191.0 % 51.1 % Other Ratios: Allowance for credit losses to total loans(3) 2.19 % 2.14 % 2.38 % 1.63 % 1.44 % 1.40 % 1.33 % 1.25 % Allowance for credit losses to total nonperforming loans 149.39 % 131.67 % 81.17 % 64.59 % 54.81 % 83.25 % 110.06 % 108.76 % Nonperforming assets to total assets 1.04 % 1.23 % 2.16 % 1.79 % 1.90 % 1.22 % 0.88 % 0.79 % Net charge-offs (recoveries) (annualized) to average total loans(3) 0.67 % 7.36 % 4.22 % 0.57 % 0.48 % 0.26 % 0.11 % 1.07 % Tier 1 capital (to average assets) 10.17 % 10.40 % 10.63 % 11.11 % 10.74 % 10.77 % 10.58 % 10.26 % Total capital (to risk weighted assets) 15.09 % 14.83 % 15.27 % 15.86 % 15.86 % 15.51 % 15.07 % 14.87 % Common equity tier 1 capital (to risk weighted assets) 13.83 % 13.58 % 14.01 % 14.61 % 14.63 % 14.30 % 13.92 % 13.80 % Tangible common equity ratio(1) 10.87 % 10.39 % 11.18 % 11.00 % 11.02 % 10.86 % 10.35 % 10.03 % Average Balances (in thousands): Total assets $11,964,701 $11,597,399 $11,989,095 $12,118,190 $12,575,722 $12,360,899 $12,361,500 $12,784,470 Total earning assets $11,389,162 $11,137,543 $11,487,006 $11,640,162 $12,303,940 $12,072,891 $11,953,446 $12,365,497 Total loans(3) $7,338,320 $7,648,459 $7,942,333 $7,933,695 $7,971,907 $8,026,524 $8,003,206 $7,988,941 Total deposits $10,590,252 $10,163,215 $10,226,095 $9,883,233 $10,056,463 $9,344,414 $9,225,266 $9,501,661 Total borrowings $83,056 $131,225 $355,914 $794,940 $1,118,276 $1,654,736 $1,721,283 $1,832,947 Total shareholders' equity $1,140,513 $1,182,148 $1,252,252 $1,242,805 $1,230,573 $1,201,477 $1,263,627 $1,289,656 (1) A reconciliation of non-GAAP financial measures to the nearest GAAP measure is provided in the tables that accompany this document. (2) Computed by dividing noninterest expense by the sum of net interest income and noninterest income. (3) Excludes loans held for sale. 12

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&nbsp;&nbsp;&nbsp;&nbsp;GAAP Reconciliation to Non-GAAP Financial Measures (unaudited) (dollars in thousands, except per share data) Three Months Ended December 31, September 30, December 31, 2025 2025 2024 Tangible common equity Common shareholders' equity $1,141,283 $1,123,476 $1,226,061 Less: Intangible assets — — (16) Tangible common equity $1,141,283 $1,123,476 $1,226,045 Tangible common equity ratio Total assets $10,497,203 $10,815,502 $11,129,508 Less: Intangible assets — — (16) Tangible assets $10,497,203 $10,815,502 $11,129,492 Tangible common equity ratio 10.87 % 10.39 % 11.02 % Per share calculations Book value per common share $37.59 $37.00 $40.60 Less: Intangible book value per common share $— $— $(0.01) Tangible book value per common share $37.59 $37.00 $40.59 Shares outstanding at period end 30,359,632 30,366,555 30,202,003 Average tangible common equity Average common shareholders' equity $1,140,513 $1,182,148 $1,230,573 Less: Average intangible assets — — (19) Average tangible common equity $1,140,513 $1,182,148 $1,230,554 Return on average tangible common equity Net (loss) income $7,561 $(67,513) $15,290 Return on average tangible common equity 2.63 % (22.66) % 4.94 % Efficiency ratio Net interest income $68,303 $68,159 $70,794 Noninterest income 12,192 2,495 4,067 Operating revenue $80,495 $70,654 $74,861 Noninterest expense $59,837 $41,897 $44,532 Efficiency ratio 74.34 % 59.30 % 59.49 % Pre-provision net revenue Net interest income $68,303 $68,159 $70,794 Noninterest income 12,192 2,495 4,067 Less: Noninterest expense (59,837) (41,897) (44,532) Pre-provision net revenue $20,658 $28,757 $30,329 Tangible common equity, tangible common equity to tangible assets (the "tangible common equity ratio"), tangible book value per common share, average tangible common equity, and the annualized return on average tangible common equity are non-GAAP financial measures derived from GAAP based amounts. The Company calculates the tangible common equity ratio by excluding the balance of intangible assets from common shareholders' equity, or tangible common equity, and dividing by tangible assets. The Company calculates tangible book value per common share by dividing tangible common equity by common shares outstanding, as compared to book value per common share, which the Company calculates by dividing common shareholders' equity by common shares outstanding. The Company calculates the annualized return on average tangible common equity ratio by dividing 13

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net income available to common shareholders by average tangible common equity, which is calculated by excluding the average balance of intangible assets from the average common shareholders' equity. The Company considers this information important to shareholders as tangible equity is a measure that is consistent with the calculation of capital for bank regulatory purposes, which excludes intangible assets from the calculation of risk based ratios, and as such is useful for investors, regulators, management and others to evaluate capital adequacy and to compare against other financial institutions. The efficiency ratio is calculated by dividing GAAP noninterest expense by the sum of GAAP net interest income and GAAP noninterest income. The efficiency ratio measures a bank's overhead as a percentage of its revenue. The Company believes that reporting the non-GAAP efficiency ratio more closely measures its effectiveness of controlling operational activities. Pre-provision net revenue is a non-GAAP financial measure calculated by subtracting noninterest expenses from the sum of net interest income and noninterest income. The Company considers this information important to shareholders because it illustrates revenue excluding the impact of provisions and reversals to the allowance for credit losses on loans. 14

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## Exhibit 99.2

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4th Quarter 2025 Earnings Presentation EagleBankCorp.com January 21, 2026 Scan for digital version Date should be Earnings Release Date, not call date Do we change QR?

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Forward Looking Statements 2 This presentation contains forward looking statements within the meaning of the Securities and Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events or results of Company operations and policies and regarding general economic conditions. In some cases, forward-looking statements can be identified by use of words such as "may," "will," "anticipates," "believes," "expects," "plans," "strategy", "estimates," "potential," "continue," "should," and similar words or phrases. These statements are based upon current and anticipated economic conditions, nationally and in the Company's market, interest rates and interest rate policy, competitive factors and other conditions which by their nature, are not susceptible to accurate forecast and are subject to significant uncertainty. For details on factors that could affect these expectations, see the risk factors and other cautionary language included in the Company's Annual Report on Form 10-K for the year ended December 31, 2024, and other periodic and current reports filed with the SEC. Because of these uncertainties and the assumptions on which this discussion and the forward-looking statements are based, actual future operations and results in the future may differ materially from those indicated herein. Readers are cautioned against placing undue reliance on any such forward-looking statements. The Company's past results are not necessarily indicative of future performance. The Company does not undertake to publicly revise or update forward-looking statements in this presentation to reflect events or circumstances that arise after the date of this presentation, except as may be required under applicable law. This presentation was delivered digitally. The Company makes no representation that subsequent to delivery of the presentation it was not altered. For more information about the Company, please refer to www.eaglebankcorp.com and go to the Investor Relations tab. Our outlook consists of forward-looking statements that are not historical factors or statements of current conditions but instead represent only our beliefs regarding future events, many of which, by their nature, are inherently uncertain and outside our control. We may be unable to achieve the results reflected in our outlook due to the risks described in our periodic and current reports filed with the SEC, including the risk factors in our Annual Report on Form 10-K for the year ended December 31, 2024 and our Quarterly Report on Form 10-Q for the quarters ended March 31, 2025, June 30, 2025 and September 30, 2025, as well as the following factors: the impact of the interest rate environment on business activity levels; declines in credit quality due to changes in the interest rate environment or changes in general economic, political, social and health conditions in the United States in general and in the local economies in which we conduct operations; our management of risks inherent in our real estate loan portfolio, including valuation risk, and the risk of a prolonged downturn in the real estate market; our management of liquidity risks; our funding profile, including the cost of our deposits and the impact of our funding costs on the competitiveness of our loan offerings; our ability to compete with other lenders, including non-bank lenders; the effects of monetary, fiscal and trade policies, including federal government spending and the impact of tariffs, the economic impact of an extended government shutdown; and the development of competitive new products and services. For further information on the Company please contact: Eric Newell P 240-497-1796 E enewell@eaglebankcorp.com

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Attractive Washington DC Footprint 3 Get updated maps from Mercedes One-of-a-kind Market The Washington DC metro area represents a robust and diverse economy, supported by a dynamic mix of public and private sector activity. The region's foundation includes globally recognized educational institutions, a thriving private sector with growing technology innovation, and a strong tourism base. Attractive Demographics Household income in our markets is well above the national average and that of all Mid-Atlantic states. Advantageous Competitive Landscape Eagle is one of the largest community banks headquartered in the Washington DC metro area and ranked 3rd by deposits in the DC MSA for banks with less than $100 billion in assets. 1 - Source: FDIC Deposit Market Share Reports - Summary of Deposits Deposits behind AUB, United Bankshares, and Towne

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Eagle at a Glance 4 Total Assets $10.5 billion Total Loans $7.3 billion Total Deposits $9.1 billion Tangible Common Equity $1. 1 billion Shares Outstanding (at close December 31, 2025) 30,359,632 Market Capitalization (at close January 20, 2026) $683 million Tangible Book Value per Common Share $37.59 Institutional Ownership 73% Member of Russell 2000 Yes Member of S&P SmallCap 600 Yes Note: Financial data as of December 31, 2025 unless otherwise noted. 1 - Equity was $1.1 billion and book value was $37.59 per share. Please refer to the Non-GAAP reconciliation in the appendix. 2 - Based on January 20, 2026 closing price of $22.50 per share and December 31, 2025 shares outstanding. 1 1 2 From S&P: Institutional Ownership (Market Cap and Inst. Ownership ONLY – rest comes from the 10- Q)

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5 NOTE: Data at or for the quarter ended December 31, 2025 1 - Please refer to the Non-GAAP reconciliation in the appendix. 2 - Calculated based on full year 2025 results. 3 - Includes cash and cash equivalents. • Best-in-Class Capital Levels o CET1 Ratio = 13.83% Top third of all bank holding companies with $10 billion in assets or more. o TCE / TA¹ = 10.87% o ACL / Gross Loans = 2.19% and ACL / Performing Office Loans = 12.89% • Long-term Strategy to Improve Operating Pre-Provision, Net Revenue ("PPNR") Across All Interest Rate Environments o Continue the diversification of deposits designed to improve funding profile. • Disciplined Cost Structure o Our cost structure is designed to remain disciplined and efficient, allowing us to support core banking operations, enhance profitability, and continue investing in key control functions such as risk management and compliance. o Branch-light, efficient operator. o Noninterest Expense / Average Assets2 = 1.60% o Efficiency Ratio2 = 63.72% • Strong Liquidity and Funding Position o Liquidity risk management is central to our strategy. • $4.7 billion in combined on-balance sheet liquidity3 and available borrowing capacity as of quarter-end, significantly exceeding our $2.4 billion in uninsured deposits and providing a coverage ratio of 199%. • This strong liquidity profile positions Eagle to respond proactively to market shifts and support our strategy to grow C&I lending. o Uninsured deposits only represent 25% of total deposits, having a weighted average relationship with EagleBank of over 8 years. • Capitalizing on Our Desirable Geography o The DMV has a robust and diverse economy including education, healthcare, technology, and defense sectors. o Access to a population with high household incomes, leading to more significant deposit base. Core Strengths Supporting Long-Term Performance

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Strategic Initiatives to Enhance Profitability 6 Strengthen Deposits & Funding Profile Invest in Innovation Capitalize on our Market Positioning Relationships FIRST Optimize & Diversify Loans and Securities Operational Excellence Optimize & Diversify Loans and Securities - Expand and rebalance the loan and securities portfolio to drive sustainable growth by focusing on business relationships and C&I lending while increasing fee income. Strengthen Deposits & Funding Profile - Build a resilient core deposit funding base through targeted sales, marketing efforts, and strategic alignment. Invest in Innovation - Continue EagleBank's transformation through current innovative initiatives and accelerate strategic investments in talent, technology, and partnerships that drive innovation, efficiency, and long-term growth. Capitalize on our Market Positioning - Leverage EagleBank's brand, Relationships FIRST culture, and regional strength to increase satisfaction, retention, and value with focus on targeted C&I growth, enhancements to Business Banking, and proactive maintenance of CRE.

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Eagle – Capital Levels vs. Peers 7 Walk charts [date] .xls 1-Please refer to the Non-GAAP reconciliation and footnotes in the appendices. Peers are those used in the proxy for the May 2025 annual meeting. Proxy Peers are AMTB, AUB, BUSE, BY, CNOB, CVBF, DCOM, FFIC, INDB, OCFC, PFS, STEL, TMP, UBSI, WSFS and data is as of September 30, 2025. EGBN is as of December 31, 2025. Source: S&P Capital IQ Pro and company filings. Strong Capital • Capital ratios are high relative to peers • Excess CET1 (9%) plus reserves provides a superior level of coverage when measured against our peers Peer data updated based on 9/30 data – waiting on EGBN data11.08% 10.87% 10.82% 10.74% 10.69% 10.14% 9.77% 9.16% 8.99% 8.93% 8.88% 8.30% 8.22% 8.16% 8.12% 8.01% Peer 1 EGBN Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 Tangible Common Equity / Tangible Assets1 10.28% 8.02% 8.01% 7.18% 5.98% 5.21% 5.07% 4.93% 4.33% 4.28% 3.36% 2.58% 2.32% 2.32% 2.14% 2.09% Peer 1 EGBN Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 Excess CET1 + ACL / Total Loans 16.33% 14.43% 14.39% 13.83% 13.40% 12.84% 12.33% 12.30% 12.15% 11.53% 11.53% 10.56% 10.51% 10.26% 10.17% 9.92% Peer 1 Peer 2 Peer 3 EGBN Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 CET1 Ratio

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Performance Measures 8 1-Please refer to the Non-GAAP reconciliation and footnotes in the appendices. Return on Average Assets are annualized. For the periods above, return on average common equity was 4.94% (2024Q4), 0.55% (2025Q1), (22.35)% (2025Q2), and (22.66)% (2025Q3); and common equity to assets was 11.02% (2024Q4), 11.00% (2025Q1), and 11.18% (2025Q2), and 10.39% (2025Q3). 5 quarter charts and peer CHARTS – [date] .xls Note: Peers were removed as we are publishing earlier and they haven't reported yet. The PPNR chart is in the APPENDIX – Non GAAP recon 11.02% 11.00% 11.18% 10.39% 10.87% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 Tangible Common Equity/Tangible Assets1 4.94% 0.55% -22.35% -22.66% 2.63% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 Return on Average Tangible Common Equity1 0.48% 0.06% -2.33% -2.31% 0.25% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 Return on Average Assets 59.50% 61.50% 58.60% 59.30% 63.72% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 Efficiency Ratio

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Net Interest Income 9 Walk charts [date] .xls Data for walk chart is built into its own wDesk sheet 5 quarter charts and peer CHARTS – [date] .xls NII and NIM Increase Net Interest Income • Net interest income increased $0.1 million quarter over quarter. • Interest income decreased $0.6 million due to a lower rate environment and declining average balances. • Interest expense decreased $0.7 million, driven by the runoff of higher-cost brokered CD's along with the repayment of short-term borrowings. Margin • The net interest margin ("NIM") decreased to 2.38% for the fourth quarter 2025, compared to 2.43% for the prior quarter, driven by a mix shift between loans and cash, partially offset by improved time deposit cost from reduced brokered time deposit usage. • Management expects cash flows from the investment portfolio of $254 million to be redeployed into higher yielding assets in 2026. $70.8 $65.6 $67.8 $68.2 $68.3 2.29% 2.28% 2.37% 2.43% 2.38% 2.10% 2.30% 2.50% 2.70% 2.90% $- $20.0 $40.0 $60.0 $80.0 $100.0 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 (i n m ill io n s) Net Interest Income & Margin Net Interest Income NIM

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Net Income – Summary 10 Net Income Drivers Net interest income Net interest income increased by $0.1 million, primarily driven by lower funding costs on brokered time deposits which outpaced lower interest income on loans. Provision for Credit Losses ("PCL") Provision for credit losses was $15.5 million for the fourth quarter of 2025, compared to $113.2 million for the prior quarter. The decrease was primarily driven by lower charge-offs. Net charge-offs totaled $12.3 million, down from $140.8 million in the third quarter. The provision related to the reserve for unfunded commitments increased by $203 thousand, compared to a reversal of $38 thousand in the prior quarter. Noninterest income Noninterest income increased $9.7 million driven by losses in the third quarter that did not reoccur in the fourth quarter and an increase in other income as a result of SBIC investments along with gains on sale of OREO. Noninterest expense Noninterest expense increased by $17.9 million due to $6.3 million in costs associated with the disposition of certain HFS loans and $8.4 million in valuation adjustment on the remaining HFS loan portfolio. Walk charts [date] .xls $(67,513) $(577) $721 $97,747 $(241) $7,706 $1,991 $(1,044) $(16,896) $(14,333) $7,561 (i n t h o u sa n d s) Drivers of Net Income Change

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2025 & 2026 Outlook 11 1 – The forecast is a % PY YTD Average for the same measure 2 – The forecast is based off forecasted 2026 figures for the same measure 3 – The decline in deposits is reflective of further managing down of brokered deposit balances Other Notes: Excludes loans held for sale. 2026 Outlook represents forward-looking statements and are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Please see "Forward Looking Statements" on page 2. Key Drivers 4Q 2025 Actual Prior 2026 Outlook1 Current 2026 Outlook2 Balance Sheet Average deposits $8,670 million 1-4% decrease3 4-7% decrease3 Average loans 7,338 million 1-3% decrease 4-6% decrease Average earning assets 11,389 million 5-7% decrease 6-9% decrease Income Statement Net interest margin 2.38% 2.50% - 2.70% 2.60% - 2.80% Noninterest income 12.2 million 20-30% growth 15-25% growth Noninterest expense 59.8 million 0-2% growth 0-4% decrease Period effective tax rate (52%) 15-20% 12-16%

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17% 17% 17% 17% 16% 14% 10% 10% 10% 11% 39% 38% 36% 39% 40% 30% 34% 38% 34% 33% $9,131 $9,277 $9,120 $9,464 $9,134 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4 ($ in m ill io n s) Period End Deposit Mix and Trend 12 Mix of Deposits Investments and Loans CHARTS [date] .xls Total Period End Deposits Flat YoY 5 quarter charts and peer CHARTS – [date] .xls CDs Savings & Money Market Interest Bearing Transaction Noninterest Bearing 3.28% 3.17% 3.05% 3.10% 2.96% 5.28% 5.75% 5.46% 8.85% 10.50% 4.20% 4.07% 3.86% 3.87% 3.68% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 Cost Analysis Total Deposit Cost Borrowings Total IBL Cost

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$4,708 $2,372 Available Liquidity Uninsured Deposits Robust Liquidity Coverage of Uninsured Deposits Funding & Liquidity 13 Funding & Liquidity Summary Deposits Average deposits decreased $62.9 million for the quarter, attributable to lower balances in time deposit accounts. The long-term strategy for deposits is to increase core deposits and reduce reliance on wholesale funding. Borrowings Other short-term borrowings were $0 at December 31, 2025, representing no change from the prior quarter-end. Ample Access to Liquidity Available liquidity from the FHLB, FRB Discount Window, cash and unencumbered securities is over $4.7 billion. Chart in A10- Unencumbe red Deposits & Borrowings CHART file– [date] .xls Our available liquidity of $4.7 billion covers uninsured deposits of $2.4 billion by more than 199%. $78 $696 $1,349 $1,374 $1,289 $4,786 Borrowings 09/30/2025 Cash FHLB FRB Discount Window Unencumbered securities Borrowings + Available Liquidity (i n m ill io n s) Significant Available Liquidity Do we want to touch on core replacing brokered deposits?

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11% 11% 11% 8% 8% 40% 39% 38% 39% 38% 15% 15% 16% 17% 18% 18% 16% 18% 39% 23% 15% 15% 16% 14% 11% $7,934 $7,943 $7,722 $7,305 $7,280 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 (i n m ill io n s) Period End Loan Mix and Trend 14 Mix of Deposits Investments and Loans CHARTS [date] .xls "Loan Trend" Tab Need Tables from Mike Brooks Yield and Cost CHARTS – [date] .xls Commercial Owner-Occupied CRE Construction – comm& residential. Home Equity Other Consumer Construction C&I (owner-occupied) Office Income producing CRE (excluding office if applicable) Note: Excludes loans held for sale. 6.63% 6.45% 6.31% 6.40% 6.39% 2.06% 2.14% 2.13% 2.07% 2.09% 5.45% 5.36% 5.29% 5.35% 5.21% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 Yield Analysis Loan Yield Securities Yield Total EA Yield

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Asset Quality Metrics 15 1-Excludes loans held for sale. 2-Non-performing assets ("NPAs") include loans 90 days past due and still accruing. Charts for Allowance for Credit Losses and NPAs are as of period end. Net Charge Offs ("NCO") are annualized for periods of less than a year. 5 quarter charts – [date] .xls Look at the earnings release Q- table 0.48% 0.57% 4.22% 7.36% 0.64% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 NCO / Average Loans1 $12,132 $26,255 $138,159 $113,215 $15,468 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 (i n t h o u s a n d s) Provision for Credit Losses 1.44% 1.63% 2.38% 2.14% 2.19% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 Allowance for Credit Losses/ Loans HFI 1.90% 1.79% 2.16% 1.23% 1.04% 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 NPAs 1,2 / Assets

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$426 $502 $702 $536 $514 $245 $273 $173 $424 $268 $671 $775 $875 $960 $783 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 (i n m ill io n s) Substandard Special mention % of loans 16 Loan Type and Classification 1-Includes land. Note: Excludes loans held for sale Mix of Deposits Investments and Loans CHARTS [date] .xls "Loan Trend Mix" Tab Tables from Mike Brooks Mix of Deposits Investments and Loans CHARTS [date] .xls "Inc Prod CRE by Type" Tab Tables from Mike Brooks Substandard and Special Mention CHARTS [date] .xls Complete Pending % performing – is this Special Mention 7000 Substandard 8000 Information comes from workiva (Wdesk) Quarter-over-Quarter Change Special Mention • C&I reduction of $22.7 million • CRE reduction of $132.1 million Substandard • C&I increase of $1 million • CRE reduction of $15.6 million • 78.7% of substandard loans were current at 12/31/25. Classified and Criticized Loans 88%74%74%69% 86% % performing 8.46% 9.76% 11.34% 13.14% 10.59%

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240% 183% 118% 113% 107% 103% 99% 62% 55% 50% 41% 24% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 EGBN Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Excess CET1+ACL/ Inc Producing Office Loans 4,850 5,772 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 17 Note: Proxy Peers are AMTB, AUB, BUSE, BY, CNOB, CVBF, DCOM, FFIC, INDB, OCFC, PFS, STEL, TMP, UBSI, WSFS and data is as of September 30, 2025. Peer data only shown if CRE Income Producing Office was disclosed. EGBN is as of December 31, 2025. Source: S&P Capital IQ Pro and company filings. 1 - Class Type is determined based on the latest appraisal designation. Higher Risk Rating (9000) Lower Risk Rating (1000) Office (Weighted Risk Rating) Non-Office (Weighted Risk Rating) Mix and Risk Rating Trend of Total Income Producing CRE Office loan risk ratings have improved, reflecting proactive portfolio management and targeted de- risking initiatives. Non-office ratings reflect impact of multi-family internal risk rating migration. Office Loan Portfolio Detail Inc Producing Office Holdings Declined $286.9 million Year-over-Year Note: Excludes loans held for sale. There was an acquisition announcement between OceanFirst and Flushing Fin. Corp. Do we still include in peer analysis?

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18 1 – LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. 2 - DSCR is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment. Note: Excludes loans held for sale. Commentary • Performing Office ACL coverage = 12.89% • No exposure to Class B central business district office Office Loan Portfolio: Income Producing Detail $2 $22 $13 $- $12 $54 $34 $74 $36 $17 $146 $271 2026 Q1 2026 Q2 2026 Q3 2026 Q4 2027 2028+ CRE Office - Maturity Schedule Appraisal after 12/31/2024 Appraisal before 12/31/2024

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$976 $(188) $(82) $(129) $577 6/30/2023 Charge-Offs Transferred to Held for Sale Paydowns 12/31/2025 (in m ili on s) Income-Producing Office Portfolio Reduction Drivers 19 Inc Producing Office Credit Risk Identification and Reduction Note: Data as of December 31, 2025. • Cycle to date charge offs, transfers to held for sale, paydowns, and existing office reserves represent 47.8% of June 30, 2023 outstanding balance. • During 4Q, we continued to monitor and assess our income producing office portfolio, further reducing our exposure to $577 million, or 8% of total loans. • 81.3% of income producing office loans were rated pass at December 31, 2025 $73 in Reserves

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20 1 – LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. 2 - DSCR is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment. Multifamily Loan Portfolio: Income Producing Detail $184.0 $150.2 $3.8 $234.3 $242.1 $110.3 Q1 2026 Q2 2026 Q3 2026 Q4 2026 2027 2028+ (i n m ill io n s) Inc Producing Multi-Family - Maturity Schedule

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Appendix

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Total CRE Office Loan Portfolio (Excludes OOCRE & OO Construction) 22 2 Office Loans with Substandard Risk Ratings are on Nonaccrual for a total balance of $20.7 million out of Total NPAs of $109.0 million. Note: Excludes loans held for sale. 1- Loan risk grade categories: 1000 – Prime, 2000 – Excellent ("Excel."), 3000 – Good, 4000 – Acceptable ("Accept."), 5000 – Acceptable with Risk ("AwR"), 6000 – Watch, 7000 – Other Assets Especially Mentioned (O.A.E.M.), 8000 – Substandard, 9000 – Doubtful, 9999 - Loss Top Right Complete Bottom Right/Left Complete – need to add commentary $976 $950 $955 $899 $889 $865 $864 $849 $821 $602 $577 46.5% 0% 20% 40% 60% 80% 100% $0 $200 $400 $600 $800 $1,000 $1,200 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 (i n m ill io n s) Trend in Balance and % of CET1 Capital Balance % of CET1 Capital

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23 Nonaccrual Loans Credit Resolution Highlights • Non-accrual loans decreased by $11.8 million during the fourth quarter driven by paydowns on 4 credit facilities across the CRE and C&I portfolio. • There was no impact to HFS loans for the quarter ended December 31, 2025. $118,647 $(436) $26,120 $(31,161) $(6,273) $106,897 9/30/25 Non-Accrual Loans Return to Accruing Inflows Paydowns Charge-Offs 12/31/25 Non-Accrual Loans (i n t h o u sa n d s) Drivers of Non-Accrual Loans Change

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24 Summary of Nonaccrual Loans above $5M Note: Data as of December 31, 2025 and excludes loans held for sale.

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25 Summary of Classified and Criticized Loans above $10M 1 - Loan collateral is a project that is either recently completed and in lease up, not yet stabilized, under development, or in process of conversion 2 - LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. 3 - Debt Service Coverage Ratio is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment. Note: Excludes loans held for sale. Completed pending valuation/appraisal checks on the special mention, substandard loans

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26 Top 25 Loans 1 – Mixed collateral commercial real estate 2 – Construction in process 3 - LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. Note: Data as of December 31, 2025 and excludes loans held for sale. All set here pending any disclosure changes

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Investment Portfolio 27 Investment Portfolio Strategy • Portfolio positioned to manage liquidity and pledging needs. • Cash flow projected principal only (rates unchanged): o 2026 - $253 million • Total securities down $124 million from 9/30/2025 from principal paydowns, maturities received and called securities. • Unencumbered securities of $1.29 billion available for pledging. • Cash flow from securities portfolio used to pay down brokered funding. Note: Chart is as of period end on an amortized cost basis. AFS / HTM as of December 31, 2025 Mix of Deposits Investments and Loans CHARTS [date] .xls Need Tables from Mike Brooks FHN - Yield and Reprice and Cash Flow [date] .xls (need FHN from Scott) Cash flow from principal – page 11 FHN (rates unchanged)US Treasury 0% Agency Debenture 26% Agency MBS 45% Agency CMBS 11% Municipal 9% Corporate 9%

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$35.74 $38.97 $35.86 $39.08 $40.59 $40.99 $39.03 $37.00 $37.59 2020Y 2021Y 2022Y 2023Y 2024Y 2025 Q1 2025 Q2 2025 Q3 2025 Q4 TBVPS Tangible Book Value Per Share 28 Per share data is as of period end. Please refer to Non-GAAP reconciliation and footnotes in the appendices EPS and TBVPS - AOCI impact CAGR CHART [date] .xls $37.00 $0.25 $- $0.64 $37.59 $(0.01) $(0.29) 9/30/25 TBVPS Net Income Dividend Intangibles Stock Based Comp/ESPP AOCI 12/31/2025 TBVPS

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Loan Portfolio - Details 29 Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of December 31, 2025. From Mike Brooks NOTE change the % from % of type to "TOTAL LOANS" Missing $5MM from somewhere - not inc prod office, or oo office

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Loan Portfolio – Income Producing CRE 30 Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of December 31, 2025. From Mike Brooks

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Loan Portfolio – CRE Construction 31 Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of December 31, 2025. From Mike Brooks NOTE change the % from % of type to "TOTAL LOANS" Q3 Dataset is not showing renovation & ground-up. Who do we need to go to for this?

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32 Non-GAAP Reconciliation (Unaudited) APPENDIX - Non-GAAP Recon TABLE and PPNR CHART [date] .xls

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33 Non-GAAP Reconciliation (Unaudited) APPENDIX - Non-GAAP Recon TABLE and PPNR CHART [date] .xls

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34 Non-GAAP Reconciliation (unaudited) Tangible common equity to tangible assets (the "tangible common equity ratio"), tangible book value per common share, tangible book value per common share excluding accumulated other comprehensive income ("AOCI"), and the return on average tangible common equity are non-GAAP financial measures derived from GAAP based amounts. The Company calculates the tangible common equity ratio by excluding the balance of intangible assets from common shareholders' equity and dividing by tangible assets. The Company calculates tangible book value per common share by dividing tangible common equity by common shares outstanding, as compared to book value per common share, which the Company calculates by dividing common shareholders' equity by common shares outstanding; to calculate the tangible book value per common share excluding the AOCI, tangible common equity is reduced by the loss on the AOCI before dividing by common shares outstanding. The Company calculates the annualized return on average tangible common equity ratio by dividing net income available to common shareholders by average tangible common equity which is calculated by excluding the average balance of intangible assets from the average common shareholders' equity. The Company considers this information important to shareholders as tangible equity is a measure that is consistent with the calculation of capital for bank regulatory purposes, which excludes intangible assets from the calculation of risk-based ratios and as such is useful for investors, regulators, management and others to evaluate capital adequacy and to compare against other financial institutions. The above table provides reconciliation of these financial measures defined by GAAP with non-GAAP financial measures. Efficiency ratio is a non-GAAP measure calculated by dividing GAAP non-interest expense by the sum of GAAP net interest income and GAAP non-interest (loss) income. Management believes that reporting the non-GAAP efficiency ratio more closely measures its effectiveness of controlling operational activities. The table above shows the calculation of the efficiency ratio from these GAAP measures. Adjusted PPNR excludes the impact of loan sales in its calculation to provide a clearer view of core operating performance. Management believes this adjusted measure better reflects underlying revenue trends and expense discipline by removing the volatility associated with nonrecurring or opportunistic balance sheet actions. Forward-Looking Non-GAAP Financial Measures: From time to time we may discuss forward-looking non-GAAP financial measures, such as forward-looking estimates for expenses excluding FDIC deposit insurance assessments. We are unable to provide a reconciliation of forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because we are unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the complexity and inherent difficulty in forecasting and quantifying future amounts. Such unavailable information could be significant to future results.

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