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Eagle Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 8824

Glenwood, MN

5 branches across MN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +5.0% year over year ($193.7M on the books).
  • Delinquency rate 0.59%.
  • Return on assets 2.44%.
  • Efficiency ratio 46.40% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.79% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Eagle Bank has 5 strengths but faces 1 concern

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

  • + Profitability Leader: Top 13.5% in tier
  • + Non-Interest-Bearing Deposit Share 14.66% above tier average
  • + Net Interest Margin 0.35% above tier average
  • + Efficiency Ratio 18.08% below tier average
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 41.9% in tier
Get updates when Eagle Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $226.9M
+5.1% YoY +1.7% QoQ
-$159.7M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $133.2M
-2.3% YoY -0.4% QoQ
-$125.1M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
29%
Total Deposits ? $193.7M
+5.0% YoY +1.6% QoQ
-$133.0M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 2.44%
+20.5% YoY +8.5% QoQ
+1.12% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 5.3% in tier
Net Interest Margin ? 4.34%
+7.9% YoY +1.6% QoQ
+0.35% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 46.40%
-14.4% YoY -6.6% QoQ
-18.08% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 10.8% in tier
Delinquency Rate ? 0.59%
+829.0% YoY +324.0% QoQ
-0.33% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 68.79%
-7.0% YoY -1.9% QoQ
-9.16% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 36.69%
+69.6% YoY +67.0% QoQ
+14.66% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Top 7.5% in tier
Nonperforming Asset Ratio ? 0.66%
+380.0% YoY +64.6% QoQ
-0.01% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 22.37%
+9.2% YoY +1.2% QoQ
+6.46% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Top 9.8% in tier
Non-Interest Income / Assets ? 0.30%
-16.4% YoY +100.5% QoQ
-0.27% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
72%

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 (MN) National Avg Tier Percentile
Noninterest-Bearing 36.7%
+15.1pp YoY
+14.7pp QoQ
 +14.5pp 22.1% 21.9% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 10.3%
-1.5pp YoY
+1.3pp QoQ
 -1.3pp 11.6% 14.6% 12.5% 54%
CRE 16.4%
+0.3pp YoY
+0.5pp QoQ
 -23.1pp 39.5% 36.5% 41.4% 12%
1-4 Family 36.8%
+1.2pp YoY
-1.3pp QoQ
 +4.1pp 32.6% 29.4% 31.3% 65%
Consumer 8.2%
-1.2pp YoY
+0.1pp QoQ
 +4.0pp 4.1% 4.5% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 22.4%
+1.9pp YoY
+0.3pp QoQ
 +3.5pp 18.8% 16.5% 19.7% 84%
Leverage Ratio 14.3%
+0.3pp YoY
-0.3pp QoQ
 +2.2pp 12.2% 11.0% 12.6% 83%
Total Capital Ratio 23.6%
+1.9pp YoY
+0.3pp QoQ
 +3.7pp 19.9% 17.6% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 34
-4 (-10.5%) YoY
+1 (+3.0%) QoQ
 -25 58 55 482 33%
Assets per Employee ($) $6.7M
+17.4% YoY
-1.3% QoQ
 -$845K $7.5M $8.6M $8.8M 46%
Branch Count 5
0 YoY
0 QoQ
 0 4 4 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.6%
+0.5pp YoY
+0.4pp QoQ
 +0.2pp 0.3% 0.4% 0.4% 84%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 10%
Allowance Coverage 2.32x
-90.5% YoY
-75.7% QoQ
 -21.83x 24.15x 20.41x 20.23x 52%
Net Charge-off Rate (YTD) 1.1%
+0.9pp YoY
-1.0pp QoQ
 +0.9pp 0.1% 0.2% 0.2% 98%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 17.4%
+2.0pp YoY
+1.3pp QoQ
 +5.2pp 12.2% 13.1% 11.6% 79%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 13%
Net Income ($, YTD) $2.7M
+25.3% YoY
— QoQ
 +$183K $2.6M $4.5M $40.4M 66%

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 (1)

Profitability Leader

growth
#90 of 661 • Top 13.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.44%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#312 of 742 • Bottom 41.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 22.37%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 68.79%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

142
Return on Assets
profitability
Value: 2.44%
Peer Median: 1.32%
#142 of 2643 Top 5.3% in $100M-$1B
200
Non-Interest-Bearing Deposit Share
funding
Value: 36.69%
Peer Median: 22.03%
#200 of 2643 Top 7.5% in $100M-$1B
261
Tier 1 Capital Ratio
capital
Value: 22.37%
Peer Median: 15.91%
#261 of 2643 Top 9.8% in $100M-$1B
287
Efficiency Ratio
profitability
Value: 46.40%
Peer Median: 64.48%
#287 of 2643 Top 10.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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