BlastPoint's Banking Scorecard

EagleBank

$1B-$10B Specialty: Commercial MD FDIC cert 34742

Designations: ✓ Community bank

Bethesda, MD

14 branches across MD · DC · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 10 in MD.
Deposits -10.2% year over year ($8.2B on the books).
Delinquency rate 2.09%.
Return on assets 0.52%.
Efficiency ratio 58.90% vs a 59.73% peer average.
Loan-to-deposit ratio 79.87% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 10 in MD

View $1B-$10B leaderboard (MD) →

EagleBank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 0.82% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 48.1% in tier
- Return on Assets 0.87% below tier average
- Net Interest Margin 1.06% below tier average
- Delinquency Rate 1.22% above tier average

Get updates when EagleBank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Total Assets ?	$9.6B -8.8% YoY -2.9% QoQ	+$6.8B	$2.8B -0.6% YoY	$1.8B +4.0% YoY	$6.3B +7.7% YoY	Top 0.6% in tier
Total Loans ?	$6.6B -13.5% YoY -4.3% QoQ	+$4.6B	$2.0B -0.3% YoY	$1.3B +3.8% YoY	$3.2B +9.4% YoY	Top 2.3% in tier
Total Deposits ?	$8.2B -10.2% YoY -4.6% QoQ	+$5.9B	$2.3B -0.5% YoY	$1.6B +4.1% YoY	$4.9B +7.3% YoY	Top 0.8% in tier
Return on Assets ?	0.52% +144.5% YoY -20.8% QoQ	-0.87%	1.39% +17.0% YoY	0.92% +12.6% YoY	1.30% +12.1% YoY	Bottom 8.2% in tier
Net Interest Margin ?	2.81% +6.5% YoY +1.2% QoQ	-1.06%	3.87% +6.2% YoY	3.72% +5.0% YoY	3.95% +4.9% YoY	Bottom 9.3% in tier
Efficiency Ratio ?	58.90% +3.0% YoY -3.6% QoQ	-0.82%	59.73% -12.6% YoY	67.38% -3.5% YoY	70.05% +2.5% YoY	51%
Delinquency Rate ?	2.09% -36.4% YoY -22.3% QoQ	+1.22%	0.87% +11.7% YoY	1.07% +9.6% YoY	0.98% +16.3% YoY	Bottom 8.4% in tier
Loan-to-Deposit Ratio ?	79.87% -3.7% YoY +0.3% QoQ	-5.16%	85.04% -0.1% YoY	87.38% +1.5% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	19.25% +14.7% YoY +11.2% QoQ	-2.02%	21.27% -1.5% YoY	20.47% +3.3% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	1.44% -39.4% YoY -23.3% QoQ	+0.77%	0.67% +11.7% YoY	0.90% +8.0% YoY	0.69% +15.8% YoY	Bottom 11.4% in tier
Tier 1 Capital Ratio ?	14.95% +4.9% YoY +5.8% QoQ	+0.11%	14.84% -0.4% YoY	16.33% +1.1% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.25% +52.9% YoY +88.4% QoQ	-0.28%	0.53% +2.5% YoY	0.25% +1.8% YoY	0.66% +5.2% YoY	41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Noninterest-Bearing	19.3% +2.5pp YoY +1.9pp QoQ	-2.1pp	21.4%	21.3%	22.2%	46%
Brokered Deposits	31.9% -6.0pp YoY -2.0pp QoQ	+22.5pp	9.5%	10.7%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
C&I	18.7% +8.5pp YoY +3.1pp QoQ	+4.7pp	14.0%	8.9%	12.5%	77%
CRE	71.1% -9.5pp YoY -2.6pp QoQ	+21.1pp	50.0%	50.0%	41.4%	89%
1-4 Family	3.3% -0.2pp YoY 0.0pp QoQ	-23.1pp	26.4%	37.9%	31.3%	4%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	3.2%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
CET1 Ratio	14.9% +0.7pp YoY +0.8pp QoQ	-0.6pp	15.6%	16.4%	19.7%	69%
Leverage Ratio	11.5% +0.7pp YoY +0.6pp QoQ	+0.2pp	11.3%	13.0%	12.6%	70%
Total Capital Ratio	16.2% +0.7pp YoY +0.8pp QoQ	-0.5pp	16.7%	17.5%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Full-Time Employees	497 +21 (+4.4%) YoY +33 (+7.1%) QoQ	+183	313	170	482	83%
Assets per Employee ($)	$19.4M -12.7% YoY -9.3% QoQ	+$8.9M	$10.5M	$9.4M	$8.8M	94%
Branch Count	14 0 YoY 0 QoQ	-6	20	9	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	2.1% -1.2pp YoY -0.6pp QoQ	+1.3pp	0.8%	1.1%	1.0%	93%
Allowance Coverage	0.88x +19.8% YoY +10.8% QoQ	-17.83x	18.71x	46.66x	20.23x	19%
Net Charge-off Rate (YTD)	2.1% -0.3pp YoY +0.7pp QoQ	+1.8pp	0.3%	0.1%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
ROE	4.5% +15.0pp YoY -1.3pp QoQ	-8.1pp	12.6%	8.0%	11.6%	7%
Cost of Funds (YTD)	2.8% -0.5pp YoY 0.0pp QoQ	+0.9pp	1.9%	1.9%	1.7%	92%
Net Income ($, YTD)	$26.1M +140.6% YoY — QoQ	+$6.9M	$19.2M	$8.4M	$40.4M	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#64 of 131 • Bottom 48.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Total Assets

size

Value: $9.62B

Peer Median: $2.79B

#6 of 885 Top 0.6% in $1B-$10B

Total Deposits

size

Value: $8.20B

Peer Median: $2.32B

#8 of 885 Top 0.8% in $1B-$10B

Total Loans

size

Value: $6.55B

Peer Median: $1.96B

#21 of 885 Top 2.3% in $1B-$10B

Top Weaknesses (4 metrics)

813

Return on Assets

profitability

Value: 0.52%

Peer Median: 1.39%

#813 of 885 Bottom 8.2% in $1B-$10B

809

Delinquency Rate

credit_quality

Value: 2.09%

Peer Median: 0.87%

#809 of 882 Bottom 8.4% in $1B-$10B

804

Net Interest Margin

profitability

Value: 2.81%

Peer Median: 3.87%

#804 of 885 Bottom 9.3% in $1B-$10B

785

Nonperforming Asset Ratio

credit_quality

Value: 1.44%

Peer Median: 0.67%

#785 of 885 Bottom 11.4% in $1B-$10B