Eagle Bancorp(EGBN) - 2025 Q4 - Earnings Call Presentation

Financial Highlights - Total assets reached $10.5 billion[13] - Total loans amounted to $7.3 billion[13] - Total deposits totaled $9.1 billion[13] - Tangible common equity stood at $1.1 billion[13] - Market capitalization was $683 million as of January 20, 2026[14] Capital & Liquidity - CET1 Ratio was 13.83%[19] - Tangible Common Equity / Tangible Assets was 10.87%[19] - Available liquidity covered uninsured deposits by 199%, with $4.7 billion in combined on-balance sheet liquidity and available borrowing capacity against $2.4 billion in uninsured deposits[19, 59] Income Statement - Net interest income increased by $0.1 million quarter over quarter[44] - Provision for credit losses decreased to $15.5 million, compared to $113.2 million for the prior quarter[49] - Noninterest income increased by $9.7 million[50] 2026 Outlook - Average deposits are projected to decrease by 4-7%[53] - Average loans are expected to decrease by 4-6%[53] - Net interest margin is forecasted to be between 2.60% - 2.80%[53]