BlastPoint's Banking Scorecard

Eagle Bank

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

Everett, MA

6 branches across MA · ME

2664 banks in the $100M-$1B peer group nationally 39 in MA

Eagle Bank has 1 strength but faces 6 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

+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.0% in tier
- Efficiency Drag: Bottom 25.1% in tier
- Credit Risk Growth: Bottom 35.9% in tier
- Liquidity Strain: Bottom 43.4% in tier
- Return on Assets 1.05% below tier average
- Net Interest Margin 0.46% below tier average

Get updates when Eagle Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$680.2M +6.9% YoY -1.1% QoQ	+$294.2M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 13.5% in tier
Total Loans ?	$556.6M +9.6% YoY +2.1% QoQ	+$300.8M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 7.7% in tier
Total Deposits ?	$604.7M +10.2% YoY -0.2% QoQ	+$276.8M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 12.1% in tier
Return on Assets ?	0.22% -48.2% YoY -41.5% QoQ	-1.05%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 6.6% in tier
Net Interest Margin ?	3.47% +9.4% YoY +5.4% QoQ	-0.46%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	88.38% +6.9% YoY +4.9% QoQ	+23.09%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 7.7% in tier
Delinquency Rate ?	0.11% +98.4% YoY -10.8% QoQ	-0.77%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	92.03% -0.6% YoY +2.4% QoQ	+15.39%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	16.86% -5.7% YoY -2.5% QoQ	-5.16%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.09% +103.5% YoY -7.9% QoQ	-0.54%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	10.73% -3.6% YoY -1.2% QoQ	-5.10%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.05% -9.3% YoY -77.1% QoQ	-0.23%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	20%

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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 (4)

Credit Quality Pressure

risk

#158 of 1308 • Bottom 12.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Efficiency Drag

risk

#105 of 414 • Bottom 25.1% in tier

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

Why this signature

Efficiency Ratio: 88.38%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Credit Risk Growth

risk

#350 of 973 • Bottom 35.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Liquidity Strain

risk

#280 of 643 • Bottom 43.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.03%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

205

Total Loans

size

Value: $556.55M

Peer Median: $255.72M

#205 of 2664 Top 7.7% in $100M-$1B

323

Total Deposits

size

Value: $604.74M

Peer Median: $327.97M

#323 of 2664 Top 12.1% in $100M-$1B

361

Total Assets

size

Value: $680.25M

Peer Median: $386.08M

#361 of 2664 Top 13.5% in $100M-$1B

Top Weaknesses (5 metrics)

2488

Return on Assets

profitability

Value: 0.22%

Peer Median: 1.27%

#2488 of 2664 Bottom 6.6% in $100M-$1B

2461

Efficiency Ratio

profitability

Value: 88.38%

Peer Median: 65.29%

#2461 of 2664 Bottom 7.7% in $100M-$1B

2143

Tier 1 Capital Ratio

capital

Value: 10.73%

Peer Median: 15.83%

#2143 of 2664 Bottom 19.6% in $100M-$1B

2125

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2125 of 2664 Bottom 20.3% in $100M-$1B

2125

Loan-to-Deposit Ratio

liquidity

Value: 92.03%

Peer Median: 76.64%

#2125 of 2664 Bottom 20.3% in $100M-$1B