Eagle Bancorp, Inc. (EGBN): Business Model Canvas

Eagle Bancorp, Inc. (EGBN) entwickelt sich zu einem dynamischen Finanzkonzern, der strategisch in den Metropolregionen Maryland und Washington D.C. positioniert ist und eine anspruchsvolle Mischung aus traditionellem Bankgeschäft und modernsten digitalen Lösungen bietet. Durch die sorgfältige Ausarbeitung eines Geschäftsmodells, bei dem personalisierter Service, lokale Marktkenntnisse und innovative Technologie im Vordergrund stehen, hat sich die Bank eine einzigartige Nische in der wettbewerbsintensiven Finanzlandschaft geschaffen. Ihr umfassender Ansatz integriert nahtlos gemeinschaftsorientiertes Banking mit fortschrittlichen digitalen Plattformen und schafft so ein einzigartiges Wertversprechen, das kleine und mittlere Unternehmen, Immobilieninvestoren und vermögende Privatpersonen anzieht, die maßgeschneiderte Finanzerlebnisse suchen.

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände in den Metropolregionen Maryland und Washington D.C

Eagle Bancorp unterhält strategische Partnerschaften mit:

Vereinsname	Partnerschaftsfokus	Gründungsjahr
Maryland Bankers Association	Regionales Business-Networking	Aktiv seit 2010
Handelskammer von DC	Geschäftsentwicklung	Aktiv seit 2008

Gewerbliche Immobilienentwickler und Immobilieninvestoren

Zu den wichtigsten Partnerschaften gehören:

• Washington Real Estate Investment Trust (WashREIT)
• Carr-Eigenschaften
• Die Bozzuto-Gruppe

Entwickler	Gesamtkreditportfolio	Dauer der Partnerschaft
WashREIT	87,3 Millionen US-Dollar	10+ Jahre
Carr-Eigenschaften	62,5 Millionen US-Dollar	8 Jahre

Vermögensverwaltungs- und Finanzberatungsunternehmen

Strategische Finanzdienstleistungskooperationen:

• Raymond James Finanzdienstleistungen
• Merrill Lynch Wealth Management
• Morgan Stanley Private Wealth Management

Technologiedienstleister für digitale Banking-Plattformen

Technologiepartner	Service bereitgestellt	Jährliche Investition
Fiserv	Kernbankensoftware	4,2 Millionen US-Dollar
Jack Henry & Mitarbeiter	Digitale Banking-Lösungen	3,7 Millionen US-Dollar

Netzwerke kleiner Unternehmen und unternehmerische Ökosysteme

Zu den aktiven Partnerschaften gehören:

• Maryland Tech Council
• DC-Startup-Woche
• Innovation Alley Entrepreneurship Network

Netzwerk	Kredite für kleine Unternehmen	Auswirkungen auf die Partnerschaft
Maryland Tech Council	42,6 Millionen US-Dollar	Finanzierung von Technologie-Startups
DC-Startup-Woche	28,3 Millionen US-Dollar	Unternehmerische Unterstützung

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Hauptaktivitäten

Gewerbe- und Wohnkredite

Zum vierten Quartal 2023 meldete Eagle Bancorp ein Kreditportfolio von insgesamt 8,48 Milliarden US-Dollar mit folgender Aufteilung:

Kreditkategorie	Gesamtbetrag	Prozentsatz
Gewerbeimmobilien	4,2 Milliarden US-Dollar	49.5%
Wohnhypothek	2,1 Milliarden US-Dollar	24.7%
Kommerziell & Industriekredite	1,8 Milliarden US-Dollar	21.2%
Baukredite	380 Millionen Dollar	4.6%

Verwaltung von Einlagen- und Sparkonten

Gesamteinlagen zum 31. Dezember 2023: 10,3 Milliarden US-Dollar

• Unverzinsliche Einlagen: 2,97 Milliarden US-Dollar
• Verzinsliche Girokonten: 3,41 Milliarden US-Dollar
• Geldmarktkonten: 2,05 Milliarden US-Dollar
• Spareinlagen: 1,87 Milliarden US-Dollar

Geschäftsbankdienstleistungen

Einnahmen aus dem Geschäftsbankgeschäft für 2023: 156,4 Millionen US-Dollar

Servicekategorie	Einnahmen
Geschäftsprüfung	42,3 Millionen US-Dollar
Unternehmenskredite	87,6 Millionen US-Dollar
Treasury-Management	26,5 Millionen US-Dollar

Entwicklung digitaler und Online-Banking-Plattformen

Digital-Banking-Investitionen im Jahr 2023: 12,7 Millionen US-Dollar

• Nutzer der Mobile-Banking-App: 127.000
• Online-Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen
• Eröffnungsrate digitaler Konten: 42 % der Neukonten

Risikomanagement und Finanzberatungsdienste

Ausgaben für Risikomanagement: 8,3 Millionen US-Dollar im Jahr 2023

Bereich Risikomanagement	Zuordnung
Compliance	3,6 Millionen US-Dollar
Kreditrisikobewertung	2,7 Millionen US-Dollar
Technologiesicherheit	2 Millionen Dollar

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Schlüsselressourcen

Regionales Bankennetzwerk

Seit dem vierten Quartal 2023 betreibt Eagle Bancorp 57 Full-Service-Filialen in den Ballungsräumen Maryland und Washington, D.C. Gesamtvermögenswerte: 13,1 Milliarden US-Dollar.

Geografische Präsenz	Anzahl der Filialen	Gesamtvermögenswert
Maryland	48	10,7 Milliarden US-Dollar
Washington, D.C.	9	2,4 Milliarden US-Dollar

Fachwissen des Managementteams

Zusammensetzung der Führung ab 2024:

• Durchschnittliche Führungserfahrung im Bankwesen: 25 Jahre
• Leitendes Management mit spezialisiertem Hintergrund im regionalen Bankwesen
• Führungsteam mit insgesamt über 150 Jahren Erfahrung im Bereich Finanzdienstleistungen

Digitale Banking-Technologie

Investitionen in die Technologieinfrastruktur für 2023:

• 12,3 Millionen US-Dollar werden für die Modernisierung der digitalen Banking-Plattform bereitgestellt
• Mobile-Banking-Anwendung mit einer Kundenakzeptanzrate von 87 %
• Fortschrittliche Cybersicherheitssysteme zum Schutz von Kundentransaktionen

Finanzkapital

Finanzkennzahl	Wert 2023
Kernkapitalquote	13.6%
Gesamtkreditportfolio	9,8 Milliarden US-Dollar
Nettozinsspanne	3.45%

Kundenbeziehungsmanagement

Funktionen des CRM-Systems:

• Proprietäre Plattform zur Kundendatenverwaltung
• 94 % Kundenbindungsrate im Jahr 2023
• Personalisierte Bankerlebnisverfolgung

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Im vierten Quartal 2023 stellte Eagle Bancorp gewerbliche Kredite in Höhe von 2,3 Milliarden US-Dollar für lokale Unternehmen in den Märkten Maryland, Washington D.C. und Virginia bereit. Das gewerbliche Kreditportfolio der Bank zeigte a gezielter Ansatz zur regionalen Unternehmensfinanzierung.

Kreditkategorie	Gesamtvolumen	Durchschnittliche Kredithöhe
Kredite für kleine Unternehmen	712 Millionen Dollar	$245,000
Gewerbeimmobilien	1,58 Milliarden US-Dollar	1,2 Millionen US-Dollar

Wettbewerbsfähige Zinssätze für Gewerbe- und Privatkredite

Im Jahr 2023 bot Eagle Bancorp die folgenden wettbewerbsfähigen Zinssätze an:

• Gewerbekreditzinsen: 6,75 % – 8,25 %
• Privatkreditzinsen: 5,99 % – 7,50 %
• Kreditzinsen für Kleinunternehmen: 7,25 % – 9,00 %

Schnelle und effiziente Kreditgenehmigungsprozesse

Die Kennzahlen zur Kreditbearbeitung von Eagle Bancorp für 2023 zeigten:

Darlehenstyp	Durchschnittliche Genehmigungszeit	Zustimmungsrate
Gewerbliche Kredite	5-7 Werktage	78%
Privatkredite	2-3 Werktage	85%

Lokalisierter Kundenservice und gemeinschaftsorientierter Ansatz

Im Jahr 2023 unterhielt Eagle Bancorp 51 Filialen in Maryland, Washington D.C. und Virginia mit insgesamt 764 Vollzeitmitarbeitern, die sich um regionale Bankdienstleistungen kümmerten.

Integrierte digitale und traditionelle Bankerfahrungen

Digital-Banking-Kennzahlen für 2023 enthüllt:

• Mobile-Banking-Nutzer: 124.000
• Online-Transaktionsvolumen: 3,2 Millionen Transaktionen
• Akzeptanzrate des digitalen Bankings: 67 % des gesamten Kundenstamms

Digitaler Service	Benutzerinteraktion
Mobile-Banking-App	82 % monatlich aktive Nutzer
Online-Rechnungszahlung	68 % der Digital-Banking-Kunden

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Kundenbeziehungen

Dedizierte Kundenbetreuer für Geschäftskunden

Seit dem vierten Quartal 2023 beschäftigt Eagle Bancorp 87 engagierte Kundenbetreuer, die gewerbliche und geschäftliche Kunden in den Regionen Maryland und Washington D.C. betreuen. Durchschnittliche Portfoliogröße pro Kundenbetreuer: 42,3 Millionen US-Dollar.

Kundensegment	Anzahl der dedizierten Manager	Durchschnittlicher Portfoliowert
Kleines Unternehmen	42	18,5 Millionen US-Dollar
Mittelständische Unternehmen	35	67,2 Millionen US-Dollar
Professionelle Dienstleistungen	10	33,7 Millionen US-Dollar

Personalisierte Finanzberatungsdienste

Eagle Bancorp bietet kostenlose Finanzberatung mit einer durchschnittlichen Beratungsdauer von 1,2 Stunden. Im Jahr 2023 führte die Bank 2.764 personalisierte Finanzberatungsgespräche durch.

Community-Engagement und lokale Networking-Events

Im Jahr 2023 veranstaltete Eagle Bancorp 126 lokale Networking-Veranstaltungen mit einer Gesamtteilnehmerzahl von 4.382 Geschäftsleuten.

• Anzahl der Business-Networking-Veranstaltungen: 76
• Anzahl der Community-Entwicklungsveranstaltungen: 50
• Gesamtteilnehmerengagement: 4.382

Digitale Kundensupportkanäle

Kennzahlen zur digitalen Unterstützung für 2023:

Kanal	Durchschnittliche Reaktionszeit	Monatliche Interaktionen
Online-Chat	7,2 Minuten	12,543
Mobile-Banking-Unterstützung	12,5 Minuten	8,976
E-Mail-Support	24 Stunden	5,621

Treueprogramme für Langzeitkunden

Statistiken zum Kundenbindungsprogramm für 2023:

• Gesamtzahl der Teilnehmer des Treueprogramms: 14.237
• Durchschnittliche Kundenbindungsrate: 87,3 %
• Ausgegebene Prämien des Treueprogramms: 1,2 Millionen US-Dollar

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2023 ist Eagle Bancorp tätig 57 Bankfilialen mit umfassendem Serviceangebot in den Metropolregionen Maryland und Washington D.C.

Region	Anzahl der Filialen
Maryland	45
Washington D.C.	12

Online-Banking-Plattform

Die digitale Plattform der Eagle Bank bietet umfassende Online-Banking-Dienste mit den folgenden Funktionen:

• Kontoverwaltung
• Transaktionsverlauf
• Rechnungszahlungsdienste
• Geldtransfers

Mobile-Banking-Anwendung

Statistiken zu mobilen Apps, Stand 4. Quartal 2023:

Metrisch	Wert
Gesamtzahl der Downloads mobiler Apps	87,500
Monatlich aktive Benutzer	52,300

Telefonbanking-Dienste

Betriebszeiten des Telefonbanking-Callcenters: Montag bis Samstag von 7:00 bis 20:00 Uhr EST.

ATM-Netzwerk

Region	Insgesamt Geldautomaten	Kostenlose Geldautomatenstandorte
Maryland	42	35
Washington D.C.	15	12

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Eagle Bancorp etwa 12.500 kleine und mittlere Geschäftskunden in den Regionen Maryland, Washington D.C. und Virginia.

Geschäftssegment	Gesamtzahl der Kunden	Durchschnittliche Kredithöhe
Kleine Unternehmen	8,750	$375,000
Mittelständische Unternehmen	3,750	$1,250,000

Lokale gewerbliche Immobilieninvestoren

Gewerbliche Immobilienkredite machen 42 % des gesamten Kreditportfolios von Eagle Bancorp aus, mit 2,3 Milliarden US-Dollar an gewerblichen Immobilienkrediten (Stand 31. Dezember 2023).

• Gesamtkundenzahl im Gewerbeimmobilienbereich: 1.850
• Durchschnittliche Kredithöhe für Gewerbeimmobilien: 1,24 Millionen US-Dollar
• Geografische Konzentration: Maryland, D.C., Nord-Virginia

Professionelle Dienstleistungsunternehmen

Eagle Bancorp richtet sich an professionelle Dienstleistungsunternehmen mit einem Jahresumsatz zwischen 5 und 50 Millionen US-Dollar.

Professioneller Sektor	Kundenanzahl	Gesamte Bankbeziehungen
Anwaltskanzleien	425	185 Millionen Dollar
Beratungsunternehmen	312	142 Millionen Dollar
Gesundheitspraktiken	276	98 Millionen Dollar

Privatkunden mit hohem Vermögen

Eagle Bancorp betreut rund 6.500 vermögende Privatkunden mit einem durchschnittlichen investierbaren Vermögen von 3,2 Millionen US-Dollar.

• Mindestvermögensschwelle: 1 Million US-Dollar
• Durchschnittlicher Kontostand: 2,75 Millionen US-Dollar
• Erbringung von Vermögensverwaltungsdienstleistungen

Lokale und regionale Unternehmer

Die Bank unterstützt 2.100 lokale Unternehmer mit spezialisierten Bankdienstleistungen.

Kategorie „Unternehmer“.	Gesamtzahl der Kunden	Durchschnittlicher Geschäftskredit
Startup-Unternehmer	875	$250,000
Etablierte regionale Unternehmer	1,225	$750,000

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Ab dem 4. Quartal 2023 meldete Eagle Bancorp, Inc. Gesamtausgaben im Zusammenhang mit der Filiale in Höhe von 24,3 Millionen US-Dollar pro Jahr.

Ausgabenkategorie	Jährliche Kosten
Miete und Leasing	8,7 Millionen US-Dollar
Dienstprogramme	3,2 Millionen US-Dollar
Wartung	5,6 Millionen US-Dollar
Sicherheit	2,8 Millionen US-Dollar

Technologieinfrastruktur und Entwicklung digitaler Plattformen

Die Technologieinvestitionen für 2023 beliefen sich auf insgesamt 18,5 Millionen US-Dollar.

• Upgrades der digitalen Banking-Plattform: 7,2 Millionen US-Dollar
• Investitionen in Cybersicherheit: 4,3 Millionen US-Dollar
• Wartung der IT-Infrastruktur: 6,1 Millionen US-Dollar
• Cloud Computing und Datenspeicherung: 900.000 US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Vergütungskosten für 2023 beliefen sich auf 112,4 Millionen US-Dollar.

Vergütungskategorie	Jährliche Kosten
Grundgehälter	82,6 Millionen US-Dollar
Leistungsprämien	15,3 Millionen US-Dollar
Gesundheitsleistungen	9,2 Millionen US-Dollar
Altersvorsorgebeiträge	5,3 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften und das Risikomanagement

Die Compliance-bezogenen Ausgaben für 2023 beliefen sich auf 16,7 Millionen US-Dollar.

• Rechts- und Regulierungsberatung: 6,4 Millionen US-Dollar
• Compliance-Software und -Systeme: 3,9 Millionen US-Dollar
• Risikomanagementpersonal: 4,2 Millionen US-Dollar
• Prüfungs- und Berichterstattungskosten: 2,2 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2023 betrug 9,6 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	4,2 Millionen US-Dollar
Traditionelle Medien	2,7 Millionen US-Dollar
Gemeinschaftspatenschaften	1,5 Millionen Dollar
Kundengewinnungsprogramme	1,2 Millionen US-Dollar

Eagle Bancorp, Inc. (EGBN) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbe- und Privatkrediten

Für das Geschäftsjahr 2023 meldete Eagle Bancorp, Inc. einen Gesamtzinsertrag von 330,7 Millionen US-Dollar. Aufschlüsselung der Zinserträge aus dem Kreditportfolio:

Kreditkategorie	Zinserträge (Mio. USD)
Gewerbliche Immobilienkredite	$198.4
Gewerbliche Geschäftskredite	$87.6
Hypothekendarlehen für Wohnimmobilien	$44.7

Gebührenpflichtige Bankdienstleistungen

Die Gebühreneinnahmen für 2023 beliefen sich auf insgesamt 52,3 Millionen US-Dollar, mit folgender Aufschlüsselung der Leistungen:

• Kontoführungsgebühren: 18,6 Millionen US-Dollar
• Überziehungsgebühren: 12,4 Millionen US-Dollar
• Überweisungsgebühren: 7,5 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 5,8 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 8,0 Millionen US-Dollar

Gebühren für Vermögensverwaltung und Beratung

Die Einnahmen aus der Vermögensverwaltung beliefen sich im Jahr 2023 auf 24,1 Millionen US-Dollar, darunter:

Servicetyp	Umsatz (Mio. USD)
Anlageberatung	$14.3
Vertrauensdienste	$6.2
Finanzplanung	$3.6

Transaktionsgebühren aus Bankgeschäften

Die transaktionsbezogenen Gebühreneinnahmen für 2023 erreichten 22,7 Millionen US-Dollar:

• Gebühren für Kreditkartentransaktionen: 9,6 Millionen US-Dollar
• Bearbeitungsgebühren des Händlers: 7,3 Millionen US-Dollar
• Gebühren für elektronische Zahlungen: 5,8 Millionen US-Dollar

Verkauf von Anlage- und Finanzprodukten

Der Umsatz aus dem Verkauf von Anlageprodukten belief sich im Jahr 2023 auf insgesamt 16,5 Millionen US-Dollar:

Produktkategorie	Umsatz (Mio. USD)
Verkauf von Investmentfonds	$8.7
Rentenverkäufe	$4.6
Verkauf von Versicherungsprodukten	$3.2

Eagle Bancorp, Inc. (EGBN) - Canvas Business Model: Value Propositions

You're focused on the core strengths that Eagle Bancorp, Inc. offers its clients in the Washington D.C. metro area, which is a market characterized by a robust and diverse economy including education, healthcare, technology, and defense sectors. The bank positions itself as one of the largest community banks headquartered in this area, holding the 3rd rank by deposits in the DC MSA among banks with less than $100 billion in assets.

Relationship-based commercial banking for local businesses

Eagle Bancorp, Inc. emphasizes deepening core relationships as a key strategic priority. The growth in their commercial segments shows this focus is resonating with the local business community. For instance, total C&I loans (including owner-occupied) increased by $105 million during the third quarter of 2025. This targeted expansion in C&I lending supports franchise stability.

Specialized lending expertise in Commercial Real Estate (CRE) and C&I

The bank has been actively managing its loan portfolio, which totaled $7.4 billion at September 30, 2025. While the overall loan portfolio saw declines, the C&I segment grew. A key part of their value proposition involves managing credit risk, especially in CRE. Criticized and classified office loans declined significantly to $113.1 million as of September 30, 2025, down from a peak of $302 million at March 31, 2025. The Allowance for Credit Losses (ACL) was reported at 2.14% of total loans held for investment at the end of Q3 2025.

Here's a quick look at the balance sheet focus as of September 30, 2025, which underpins their lending value:

Financial Metric	Amount / Percentage (Q3 2025)
Total Loans (including held for sale)	$7.4 billion
Total Deposits	$9.5 billion
C&I Loan Increase (QoQ)	$105 million
Allowance for Credit Losses (% of Total Loans)	2.14%
Net Interest Margin (NIM)	2.43%

Community bank focus in the Washington D.C., Maryland, and Virginia market

Eagle Bancorp, Inc. is the Bethesda-based holding company for EagleBank. Its market focus is the Washington D.C. area, where household income is noted as being well above the national average. The bank's strategy includes reducing reliance on wholesale funding, which strengthens its local funding base. For example, brokered deposits decreased by $534 million year-to-date 2025.

Full suite of traditional and digital deposit services

The deposit franchise shows strength, with total deposits reaching $9.5 billion at quarter-end, an increase of $0.3 billion, or 4%, from the prior quarter-end. The quality of this funding base is a value driver, as total estimated insured deposits reached $7.2 billion, making up 75.6% of total deposits. The growth in C&I deposits, which rose by 8.6% (or $134.2 million) in the second quarter, is cited as a clear sign of earning trust in the marketplace.

The deposit mix improvement is further evidenced by:

• Average C&I deposits grew by 8.6% in Q2 2025.
• Total deposits increased by $0.9 billion compared to September 30, 2024.
• Uninsured deposits only represented 24% of total deposits as of Q3 2025.
• The bank maintained $5.3 billion in available liquidity, providing more than 2.3x coverage of uninsured deposits as of Q3 2025.

The reduction in wholesale funding, such as repaying FHLB borrowings with excess cash from core deposit growth, supports the stability of their funding profile. Finance: draft the Q4 2025 deposit growth projection by next Tuesday.

Eagle Bancorp, Inc. (EGBN) - Canvas Business Model: Customer Relationships

Eagle Bancorp, Inc. focuses on deep relationships as an alternative to super-regional institutions in the Washington D.C. area. The Chair, President, and CEO noted in Q3 2025 that capital, liquidity, and customer relationships provide a strong foundation.

Dedicated relationship managers for commercial clients

The emphasis on relationship banking is evidenced by growth in key commercial segments. Total Commercial & Industrial (C&I) loans increased by $105 million in the third quarter of 2025. Furthermore, average C&I deposits grew by $134 million, representing an 8.6% increase from the previous quarter. This growth supports the model where bankers know their clients and make decisions locally.

High-touch, personal service model for professionals and businesses

EagleBank's philosophy centers on providing superior, personalized service. This high-touch approach is delivered across its operational footprint, which includes 20 offices conducting full-service commercial banking in Suburban Maryland, Washington D.C., and Northern Virginia. The bank offers a broad range of services to its business and professional clients, including treasury management and specialized lending.

The commitment to personalized service and community focus is quantified by the following operational and philanthropic metrics as of late 2025:

Metric Category	Detail	Amount/Figure
Service Footprint	Number of banking offices	20
Commercial Growth (QoQ)	Increase in average C&I Deposits	$134 million
Commercial Growth (QoQ)	Percentage increase in average C&I Deposits	8.6%
Total Deposits (QoQ)	Total Deposits at Quarter-End	$9.5 billion
Total Deposits (QoQ)	Percentage increase in Total Deposits	4%
Foundation Giving	Amount raised at 2025 Fight Against Cancer Golf Classic	More than $500,000
Foundation Giving	Total raised since 2005	Over $7.0 million
Employee Investment	Maximum per-employee scholarship award	Up to $7,500

Community engagement and philanthropic support via Foundation

Community support is channeled through the EagleBank Foundation, which acts as a catalyst for positive change in the Washington Metropolitan Area. The Foundation supports over 20 local hospitals and cancer-focused organizations. The annual Fight Against Cancer Golf Classic held on October 13, 2025, set a new record by raising more than $500,000. The Foundation also matches personal charitable giving from EagleBank's nearly 500 employees.

The bank also invests in its people through education initiatives, such as the Employee Scholarship program.

Transactional service via digital channels

While emphasizing personal service, Eagle Bancorp, Inc. supports transactional needs through digital channels, aligning with broader industry trends in 2025. Nationally, over 83% of U.S. adults used digital banking services as of 2025. The bank offers online and mobile banking services to both commercial and consumer clients. The preference for mobile interaction is strong, with 72% of global banking customers favoring mobile apps for core services. Key digital capabilities like mobile check deposit are widely used, with over 63.8% of consumers using the feature in 2025.

You should note that the industry trend shows a significant portion of the population, 39% of U.S. adults, now rely exclusively on mobile banking. This means Eagle Bancorp, Inc.'s digital offering must remain competitive to serve all segments effectively.

• Digital banking adoption in the U.S. reached near-saturation levels in younger demographics.
• 71% of consumers aged 18-34 primarily manage finances digitally.
• Digital banking transactions rose by 21.5% year-over-year in 2025.
• Biometric authentication is used by 64.2% of mobile banking app users in 2025.

Eagle Bancorp, Inc. (EGBN) - Canvas Business Model: Channels

You're looking at how Eagle Bancorp, Inc. gets its services-loans and deposits-to its customers across the Washington D.C. metro area. It's a mix of old-school presence and digital push, which is typical for a large community bank navigating this market right now.

The physical footprint remains a core channel, anchoring the relationship banking model. As of early 2025, Eagle Bancorp, Inc. operated through a network of 12 physical banking offices (branches). These are strategically placed across Suburban Maryland, Washington, D.C., and Northern Virginia, supporting the local, personalized service focus.

To support its specialized lending focus, EagleBank maintains four dedicated lending offices. These are not full-service branches but centers for expertise, particularly for the Commercial & Industrial (C&I) and Commercial Real Estate (CRE) segments that drive much of the bank's activity.

Digital channels are increasingly important for deposit gathering, which is a key strategic focus. The bank reported growth in deposits across both digital and branch channels in the first quarter of 2025. The platform supports PC and smartphone-enabled services, evidenced by the reported 37,500 active online banking users as of a recent metric. Furthermore, the bank saw stronger-than-anticipated growth in digital deposits, contributing to a raised average deposit growth guidance of 6% for the year.

The direct sales force is critical for driving the commercial side of the business. This team focuses on originating C&I and CRE loans, which are central to the bank's current strategy to rebalance the loan portfolio away from stressed office properties. The success of this channel is visible in the loan growth figures.

Here's a look at the recent performance metrics tied to these commercial channels as of the third quarter of 2025:

Channel Focus Area	Metric	Amount/Value (as of Q3 2025 or latest reported)
C&I Lending Growth	Increase in Total C&I Loans (QoQ)	$105 million
C&I Deposit Growth	Average C&I Deposits Increase (QoQ, Q2 2025)	8.6% or $134.2 million
CRE Portfolio Review Scope	Number of CRE Loans Reviewed Internally (Q3 2025)	137 loans
CRE Portfolio Review Scope	Total Dollar Value of Reviewed CRE Loans (Q3 2025)	$2.9 billion
Digital Channel Health	Active Online Banking Users	37,500
Digital Channel Health	Reported Digital Banking Revenue	$12.3 million

The direct sales effort is clearly driving C&I loan originations, which constituted a majority of originations in some quarters of 2025. This focus is a deliberate channel strategy to build out the core commercial franchise.

The service delivery through these channels can be summarized by the key access points:

• Physical Branch Network: 12 banking offices across the core market.
• Specialized Centers: Four lending offices dedicated to complex commercial transactions.
• Digital Access: PC and smartphone services supporting over 37,500 users.
• Commercial Outreach: A direct sales force focused on C&I and CRE, evidenced by the $105 million C&I loan increase in Q3 2025.

The bank is definitely using its physical presence to maintain community ties while pushing digital for transactional efficiency. Finance: draft the Q4 2025 channel utilization report by February 15th.

Eagle Bancorp, Inc. (EGBN) - Canvas Business Model: Customer Segments

You're looking at the core client base for Eagle Bancorp, Inc. as of the third quarter of 2025. The bank focuses its relationship banking model on the Washington D.C. metropolitan area, which includes Maryland and Virginia, where 94% of their loan portfolio was located as of 2018.

The customer segments are clearly defined by their service offerings and relationship depth:

• Businesses and professionals in the Washington D.C. metropolitan area
• Commercial Real Estate (CRE) investors and developers
• High-net-worth individuals and consumers
• Municipalities (via Landroval Municipal Finance, Inc.)

The commercial side shows clear activity. Total Commercial and Industrial (C&I) loans, including owner-occupied, increased by $105 million in the third quarter of 2025. Simultaneously, average C&I deposits grew by $134 million, representing an 8.6% increase from the previous quarter. This suggests deepening relationships with this core business segment.

For Commercial Real Estate (CRE) investors and developers, the focus has been on managing risk, particularly in the office sector. Criticized and classified office loans saw a significant reduction, moving from a peak of $302 million at March 31, 2025, down to $113.1 million by September 30, 2025. Furthermore, $121 million of these criticized office loans were moved to held for sale during the third quarter of 2025. Eagle Bancorp, Inc. supports this segment with offerings like Commercial Mortgages and Construction Financing.

The consumer and high-net-worth individuals receive full-service consumer banking. Total deposits stood at $9.1 billion at June 30, 2025. A significant portion of their funding base comes from core deposits, with noninterest-bearing demand deposits at $1,607,826 thousand as of March 31, 2025.

Here is a look at the recent growth metrics for the commercial segments:

Metric	Change in Q3 2025	Reference Point
Total C&I Loans (increase)	$105 million	From previous quarter
Average C&I Deposits (increase)	$134 million	From previous quarter
Average C&I Deposits (percentage increase)	8.6%	From previous quarter

Regarding Municipalities, Eagle Bancorp, Inc. operates through its wholly-owned subsidiary, Landroval Municipal Finance, Inc., which is organized in Washington D.C.. While the structure is clear, specific financial volume data for this segment as of late 2025 is not present in the latest earnings reports reviewed.

The bank emphasizes relationship banking, aiming to become familiar with and address client needs proactively.

Eagle Bancorp, Inc. (EGBN) - Canvas Business Model: Cost Structure

When you look at the cost structure for Eagle Bancorp, Inc. as of late 2025, the immediate focus shifts heavily to credit-related costs, which are dominating the P&L, even as management works to resolve asset quality issues. This is the reality of a bank actively cleaning up its loan book.

Elevated provision for credit losses, $113.2 million in Q3 2025

The single largest driver of negative earnings in the third quarter of 2025 was the $113.2 million provision for credit losses. This figure reflects the ongoing, disciplined execution of the strategy to resolve asset quality challenges, particularly within the office portfolio, as stated by the CEO. You have to note that this provision followed a $138.2 million provision in the second quarter of 2025, showing a sequential decrease of $24.9 million, which management pointed to as a primary reason for the slight improvement in the net loss from Q2 to Q3 2025. Still, net charge-offs were substantial at $140.8 million for the quarter, representing an annualized rate of 7.36% of average loans. The Allowance for credit losses ended the period at $156.2 million, equating to 2.14% of total loans held for investment at September 30, 2025.

Interest expense on deposits and borrowings (funding costs)

Funding costs are a critical component, though Eagle Bancorp, Inc. showed progress in managing them in Q3 2025. The overall Interest expense decreased by $1.7 million quarter-over-quarter. This reduction was directly attributed to lower average short-term borrowings and reduced costs on savings and money market accounts. This favorable movement in funding costs helped offset lower interest income on loans and contributed to a sequential increase in Net Interest Income to $68.2 million for the quarter. The strategy to reduce higher-cost brokered funding was also evident in noninterest income, which saw a $2.0 million loss on the sale of investment securities executed to reposition the portfolio for this exact purpose.

You need to see the key expense and revenue drivers side-by-side for context:

Metric (Q3 2025)	Amount (in Millions USD)	Context
Provision for Credit Losses	$113.2	Major credit cost component.
Net Interest Income	$68.2	Benefit from lower funding costs.
Noninterest Expense	$41.9	Total non-interest operating costs.
Noninterest Income	$2.5	Reduced due to loan and security sales.
Net Charge-offs	$140.8	Actual loans written off during the period.

Salaries and benefits for a high-touch service model

Eagle Bancorp, Inc. maintains a community bank structure, which inherently means higher personnel costs relative to a purely digital or branch-light model. While the exact dollar figure for salaries and benefits isn't broken out separately from total noninterest expenses, the scale of the operation is defined by its workforce. Eagle Bancorp, Inc. reported having 451 employees as of late 2025. This headcount supports the service model that management believes is earning and deepening trust in the marketplace, evidenced by the 8.6% growth in average Commercial & Industrial deposits quarter-over-quarter.

Noninterest expenses for operations and technology

Total Noninterest Expense for the third quarter of 2025 was $41.9 million. This figure represented a sequential decrease of $1.6 million from the second quarter. The primary driver for this reduction was a decrease in the FDIC assessment, which improved as the Bank's funding profile strengthened. Technology and general operational costs fall within this total, but the reported variance is clearly tied to regulatory/assessment costs rather than discretionary tech spending cuts or increases in the period.

The core operating expenses, excluding the provision, are summarized by the Pre-provision net revenue (PPNR), which was $28.8 million for the quarter. Finance: draft 13-week cash view by Friday.

Eagle Bancorp, Inc. (EGBN) - Canvas Business Model: Revenue Streams

You're looking at the core ways Eagle Bancorp, Inc. brings in money as of late 2025. For a bank like Eagle Bancorp, Inc., the revenue engine is primarily driven by the spread between what it earns on its assets and what it pays out on its liabilities, supplemented by fees for services.

The primary driver is Net Interest Income (NII). For the third quarter of 2025, Eagle Bancorp, Inc. reported NII of $68.2 million. This figure reflects an increase of $383 thousand compared to the prior quarter. This sequential uptick was mainly due to lower funding costs on brokered time deposits and a reduction in average short-term borrowings, which managed to outpace the lower interest income generated by the loan portfolio.

The interest income component is directly tied to the size and yield of the loan portfolio. As of September 30, 2025, the total loans held for investment for Eagle Bancorp, Inc. stood at approximately $7.30 billion, down from $7.93 billion at the end of 2024. The Net Interest Margin (NIM) for Q3 2025 expanded to 2.43% from 2.37% in the prior quarter, helped by a decline in nonaccrual loan balances within the Commercial Real Estate (CRE) portfolio.

The secondary revenue component is Noninterest Income. For the third quarter of 2025, this totaled $2.5 million. This stream includes revenue from fees, service charges, and treasury management activities, though the reported quarterly figure was significantly impacted by losses on asset sales executed as part of portfolio repositioning.

Here's a quick look at the key components impacting the reported Noninterest Income for Q3 2025:

• Loss on sale of two loans: $3.6 million loss recognized.
• Loss on sale of investment securities: $2.0 million loss recognized.
• Net effect: The total noninterest income of $2.5 million was down $3.9 million from the prior quarter, largely due to these losses.

Regarding gains on the sale of the guaranteed portion of SBA loans, the public data for Q3 2025 specifically highlights losses on loan sales rather than gains from SBA loan sales. The reported transaction impacting noninterest income was a $3.6 million loss on the sale of two loans, which Eagle Bancorp, Inc. executed as part of its strategy to resolve asset quality challenges.

You can see the core revenue structure for the quarter in this table:

Revenue Component	Q3 2025 Amount	Context/Detail
Net Interest Income (NII)	$68.2 million	Increased $383 thousand sequentially due to lower funding costs.
Total Loans Held for Investment	$7.30 billion	Balance as of September 30, 2025.
Total Noninterest Income	$2.5 million	Reflects significant negative impact from asset sales.
Loan Sale Loss (Component of Noninterest Income)	$3.6 million loss	Loss on sale of two loans during the quarter.

The Commercial & Industrial (C&I) franchise showed strength, with total C&I loans increasing by $105 million quarter-over-quarter, and average C&I deposits growing 8.6% ($134 million).