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Eagle Bancorp (EGBN) investor relations material

Eagle Bancorp Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary23 Oct, 2025

Executive summary

  • Significant progress made in addressing asset quality issues, particularly in the office loan portfolio, with a focus on sustainable profitability and franchise value growth.

  • Net loss of $67.5 million ($2.22 per share) for Q3 2025, a slight improvement from the prior quarter's $69.8 million loss, mainly due to lower provision expense offset by reduced tax benefit.

  • Independent third-party and supplemental internal reviews validated adequacy of current reserves and provisioning.

  • Leadership transition announced with the voluntary resignation of the Chief Credit Officer and interim appointments made.

  • Declared a cash dividend of $0.01 per share, payable November 14, 2025.

Financial highlights

  • Net interest income grew to $68.2 million, with NIM expanding six basis points to 2.43%.

  • Non-interest income declined to $2.5 million, mainly due to loan and investment sale losses.

  • Non-interest expense decreased to $41.9 million, reflecting lower FDIC assessments and cost discipline.

  • Provision for credit losses was $113.2 million, down from $138.2 million in Q2, with net charge-offs increasing to $140.8 million from $83.9 million.

  • Pre-provision net revenue (PPNR) was $28.8 million; adjusted PPNR was $32.3 million, up sequentially.

Outlook and guidance

  • Expectation of manageable provisions and improved earnings in 2026 as credit issues subside.

  • Net interest income forecasted to grow in 2026, driven by improved mix and lower funding costs despite a smaller balance sheet.

  • Loan growth to be concentrated in C&I, with disciplined credit standards.

  • Non-interest expenses to remain well controlled; FDIC costs expected to decline as asset quality improves.

  • Management expects continued focus on credit risk management and asset quality, aiming for a more normalized earnings environment as the cycle progresses.

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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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