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Eagle Bancorp (EGBN) investor relations material

Eagle Bancorp Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary24 Jul, 2025

Executive summary

  • Reported a net loss of $69.8 million for Q2 2025, reflecting elevated credit costs and charge-offs, especially in the CRE office portfolio, and compared to net income of $1.7 million in the prior quarter.

  • Strategic actions focused on resolving challenged office loans, viewed as necessary due to long-term sector changes, led to significant financial impact.

  • Total assets decreased 5% to $10.6 billion as of June 30, 2025, mainly due to lower deposits and loans.

  • Capital ratios remain well above regulatory minimums, with CET1 at 14.01% and tangible common equity at 11.18%.

  • Announced a quarterly cash dividend of $0.165 per share, with near-term reduction or suspension under evaluation.

Financial highlights

  • Net interest income was $67.8 million in Q2 2025, aided by lower funding costs and reduced borrowings.

  • Provision for credit losses surged to $138.2 million in Q2, with net charge-offs of $83.9 million for the quarter and $95.1 million year-to-date.

  • Noninterest income was $6.4 million, down from $8.2 million, mainly due to a $1.9 million repositioning trade loss.

  • Noninterest expense decreased to $43.5 million, driven by lower legal and professional fees.

  • Book value per share declined 4.8% to $39.03.

Outlook and guidance

  • Management expects continued remediation activity in the loan portfolio, with credit costs to normalize in 2026.

  • Average loan growth outlook revised to flat, with a strategic shift to reduce CRE concentration.

  • Deposit growth guidance raised to 6%, driven by digital deposit growth.

  • No formal earnings guidance provided; capital and liquidity expected to remain strong.

  • NIM expected to improve modestly through 2025; interest rate risk managed neutrally.

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Frequently asked questions

Eagle Bancorp Inc is a bank holding company that provides commercial and consumer banking services through its subsidiary, EagleBank. The company offers deposit accounts, lending products, and treasury services to businesses and individuals in the Washington, D.C. metropolitan area. It serves clients through branch offices and digital banking platforms. Eagle Bancorp Inc is headquartered in Bethesda, Maryland, and its shares are listed on the NASDAQ.

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