BlastPoint's Banking Scorecard

Eagle Bank

$100M-$1B Specialty: Commercial MA FDIC cert 90191

Everett, MA

6 branches across MA · ME

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 39 in MA.
Deposits +11.7% year over year ($617.8M on the books).
Delinquency rate 0.04%.
Return on assets 0.35%.
Efficiency ratio 84.14% vs a 64.48% peer average.
Loan-to-deposit ratio 94.18% 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 39 in MA

View $100M-$1B leaderboard (MA) →

Eagle Bank has 1 strength but faces 3 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

+ Credit Quality Leader: Top 21.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 23.0% in tier
- Return on Assets 0.97% below tier average
- Net Interest Margin 0.52% below tier average

Get updates when Eagle Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$709.0M +11.2% YoY +4.2% QoQ	+$322.4M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Top 12.3% in tier
Total Loans ?	$581.9M +14.7% YoY +4.5% QoQ	+$323.5M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	Top 6.8% in tier
Total Deposits ?	$617.8M +11.7% YoY +2.2% QoQ	+$291.1M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Top 11.0% in tier
Return on Assets ?	0.35% -21.0% YoY +58.6% QoQ	-0.97%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 8.4% in tier
Net Interest Margin ?	3.47% +6.7% YoY -0.2% QoQ	-0.52%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	84.14% +2.3% YoY -4.8% QoQ	+19.66%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 9.8% in tier
Delinquency Rate ?	0.04% -31.7% YoY -66.2% QoQ	-0.88%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	94.18% +2.7% YoY +2.3% QoQ	+16.23%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	17.28% -5.2% YoY +2.5% QoQ	-4.75%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.03% -29.5% YoY -66.0% QoQ	-0.64%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	10.63% -5.2% YoY -1.0% QoQ	-5.28%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.10% -11.9% YoY +93.0% QoQ	-0.47%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	18%

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 (MA)	National Avg	Tier Percentile
Noninterest-Bearing	17.3% -0.9pp YoY +0.4pp QoQ	-4.9pp	22.1%	16.2%	22.2%	33%
Brokered Deposits	0.0% -0.9pp YoY 0.0pp QoQ	-7.9pp	7.9%	6.1%	8.5%	0%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	11.7% +1.3pp YoY +0.9pp QoQ	+0.2pp	11.6%	6.5%	12.5%	62%
CRE	55.1% +4.4pp YoY +0.5pp QoQ	+15.6pp	39.5%	40.3%	41.4%	78%
1-4 Family	34.0% -5.7pp YoY -1.4pp QoQ	+1.4pp	32.6%	52.4%	31.3%	60%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	1.6%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.6%	19.7%	n/a
Leverage Ratio	10.6% -0.6pp YoY -0.1pp QoQ	-1.5pp	12.2%	11.5%	12.6%	44%
Total Capital Ratio	n/a	n/a	19.9%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	82 +3 (+3.8%) YoY +2 (+2.5%) QoQ	+23	58	755	482	78%
Assets per Employee ($)	$8.6M +7.1% YoY +1.7% QoQ	+$1.1M	$7.5M	$10.7M	$8.8M	76%
Branch Count	6 +1 (+20.0%) YoY 0 QoQ	+1	4	13	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	9%
Allowance Coverage	22.48x +42.1% YoY +189.1% QoQ	-1.67x	24.15x	7.95x	20.23x	89%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	3.5% -0.9pp YoY +1.3pp QoQ	-8.7pp	12.2%	5.6%	11.6%	9%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	2.0%	1.7%	76%
Net Income ($, YTD)	$1.2M -13.8% YoY — QoQ	-$1.3M	$2.6M	$31.7M	$40.4M	33%

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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 (1)

Credit Quality Leader

growth

#145 of 659 • Top 21.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Efficiency Drag

risk

#84 of 361 • Bottom 23.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.14%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

180

Total Loans

size

Value: $581.85M

Peer Median: $258.35M

#180 of 2643 Top 6.8% in $100M-$1B

292

Total Deposits

size

Value: $617.80M

Peer Median: $326.73M

#292 of 2643 Top 11.0% in $100M-$1B

326

Total Assets

size

Value: $708.98M

Peer Median: $386.57M

#326 of 2643 Top 12.3% in $100M-$1B

483

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#483 of 2643 Top 18.2% in $100M-$1B

497

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#497 of 2633 Top 18.8% in $100M-$1B

Top Weaknesses (5 metrics)

2421

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.32%

#2421 of 2643 Bottom 8.4% in $100M-$1B

2386

Efficiency Ratio

profitability

Value: 84.14%

Peer Median: 64.48%

#2386 of 2643 Bottom 9.8% in $100M-$1B

2177

Loan-to-Deposit Ratio

liquidity

Value: 94.18%

Peer Median: 77.95%

#2177 of 2643 Bottom 17.7% in $100M-$1B

2160

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2160 of 2643 Bottom 18.3% in $100M-$1B

2149

Tier 1 Capital Ratio

capital

Value: 10.63%

Peer Median: 15.91%

#2149 of 2643 Bottom 18.7% in $100M-$1B