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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.
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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