Eagle Bancorp, Inc. (EGBN): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Eagle Bancorp, Inc. (EGBN) emerge como una potencia financiera dinámica, posicionada estratégicamente en las áreas metropolitanas de Maryland y Washington D.C., que ofrece una combinación sofisticada de soluciones digitales bancarias y de vanguardia tradicionales. Al crear meticulosamente un modelo de negocio que prioriza el servicio personalizado, la experiencia en el mercado local y la tecnología innovadora, el banco ha forjado un nicho distintivo en el panorama financiero competitivo. Su enfoque integral integra perfectamente la banca centrada en la comunidad con plataformas digitales avanzadas, creando una propuesta de valor única que atrae a empresas pequeñas a medianas, inversores inmobiliarios e personas de alto nivel de red que buscan experiencias financieras personalizadas.

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: asociaciones clave

Asociaciones comerciales locales en Maryland y Washington D.C. Áreas metropolitanas

Eagle Bancorp mantiene asociaciones estratégicas con:

Nombre de la asociación	Enfoque de asociación	Año establecido
Asociación de Banqueros de Maryland	Redes comerciales regionales	Activo desde 2010
Cámara de Comercio de DC	Desarrollo comercial	Activo desde 2008

Desarrolladores de bienes raíces comerciales e inversores inmobiliarios

Las asociaciones clave incluyen:

• Washington Real Estate Investment Trust (Washreit)
• Propiedades
• El grupo Bozzuto

Revelador	Cartera de préstamos totales	Duración de la asociación
Lavabo	$ 87.3 millones	Más de 10 años
Propiedades	$ 62.5 millones	8 años

Gestión de patrimonio y empresas de asesoramiento financiero

Colaboraciones estratégicas de servicios financieros:

• Servicios financieros de Raymond James
• Merrill Lynch Wealth Management
• Morgan Stanley Gestión de patrimonio privado

Proveedores de servicios de tecnología para plataformas de banca digital

Socio tecnológico	Servicio proporcionado	Inversión anual
Fiserv	Software bancario central	$ 4.2 millones
Jack Henry & Asociado	Soluciones de banca digital	$ 3.7 millones

Redes de pequeñas empresas y ecosistemas empresariales

Las asociaciones activas incluyen:

• Consejo de Tecnología de Maryland
• Semana de inicio de DC
• Red de emprendimiento de Alley de innovación

Red	Préstamos para pequeñas empresas	Impacto de la asociación
Consejo de Tecnología de Maryland	$ 42.6 millones	Financiación de inicio de tecnología
Semana de inicio de DC	$ 28.3 millones	Apoyo empresarial

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: actividades clave

Préstamos comerciales y residenciales

A partir del cuarto trimestre de 2023, Eagle Bancorp informó una cartera de préstamos totales de $ 8.48 mil millones, con el siguiente desglose:

Categoría de préstamo	Cantidad total	Porcentaje
Inmobiliario comercial	$ 4.2 mil millones	49.5%
Hipoteca residencial	$ 2.1 mil millones	24.7%
Comercial & Préstamos industriales	$ 1.8 mil millones	21.2%
Préstamos de construcción	$ 380 millones	4.6%

Gestión de cuentas de depósito y ahorro

Depósitos totales al 31 de diciembre de 2023: $ 10.3 mil millones

• Depósitos no interesados: $ 2.97 mil millones
• Cuentas corrientes que ponen intereses: $ 3.41 mil millones
• Cuentas del mercado monetario: $ 2.05 mil millones
• Depósitos de ahorro: $ 1.87 mil millones

Servicios de banca de negocios

Ingresos bancarios de negocios para 2023: $ 156.4 millones

Categoría de servicio	Ganancia
Verificación de negocios	$ 42.3 millones
Préstamo comercial	$ 87.6 millones
Gestión del tesoro	$ 26.5 millones

Desarrollo de la plataforma bancaria digital y en línea

Inversiones de banca digital en 2023: $ 12.7 millones

• Usuarios de la aplicación de banca móvil: 127,000
• Volumen de transacciones en línea: 3.2 millones de transacciones mensuales
• Tasa de apertura de la cuenta digital: 42% de las cuentas nuevas

Gestión de riesgos y servicios de asesoramiento financiero

Gasto de gestión de riesgos: $ 8.3 millones en 2023

Área de gestión de riesgos	Asignación
Cumplimiento	$ 3.6 millones
Evaluación de riesgo de crédito	$ 2.7 millones
Seguridad tecnológica	$ 2 millones

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: recursos clave

Red bancaria regional

A partir del cuarto trimestre de 2023, Eagle Bancorp opera 57 ubicaciones de sucursales de servicio completo en Maryland y Washington, D.C., Metropolitan, áreas metropolitanas. Los activos totales informaron: $ 13.1 mil millones.

Presencia geográfica	Número de ramas	Valor total del activo
Maryland	48	$ 10.7 mil millones
Washington, D.C.	9	$ 2.4 mil millones

Experiencia del equipo de gestión

Composición de liderazgo a partir de 2024:

• Experiencia bancaria ejecutiva promedio: 25 años
• Alta gerencia con antecedentes bancarios regionales especializados
• Equipo de liderazgo con más de 150 años de experiencia en servicios financieros

Tecnología de banca digital

Inversiones de infraestructura tecnológica para 2023:

• $ 12.3 millones asignados a actualizaciones de la plataforma de banca digital
• Aplicación de banca móvil con 87% de tasa de adopción del cliente
• Sistemas avanzados de ciberseguridad que protegen las transacciones de los clientes

Capital financiero

Métrica financiera	Valor 2023
Relación de capital de nivel 1	13.6%
Cartera de préstamos totales	$ 9.8 mil millones
Margen de interés neto	3.45%

Gestión de la relación con el cliente

Capacidades del sistema CRM:

• Plataforma de gestión de datos de clientes patentados
• 94% de tasa de retención de clientes en 2023
• Seguimiento de experiencia bancaria personalizada

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Eagle Bancorp proporcionó $ 2.3 mil millones en préstamos comerciales a empresas locales en los mercados de Maryland, Washington D.C. y Virginia. La cartera de préstamos comerciales del banco demostró una Enfoque dirigido a la financiación empresarial regional.

Categoría de préstamo	Volumen total	Tamaño promedio del préstamo
Préstamos para pequeñas empresas	$ 712 millones	$245,000
Inmobiliario comercial	$ 1.58 mil millones	$ 1.2 millones

Tasas de interés competitivas para préstamos comerciales y personales

En 2023, Eagle Bancorp ofreció las siguientes tasas de interés competitivas:

• Tasas de préstamo comercial: 6.75% - 8.25%
• Tasas de préstamo personal: 5.99% - 7.50%
• Tasas de préstamos para pequeñas empresas: 7.25% - 9.00%

Procesos de aprobación de préstamos rápidos y eficientes

Las métricas de procesamiento de préstamos de Eagle Bancorp para 2023 mostraron:

Tipo de préstamo	Tiempo de aprobación promedio	Tasa de aprobación
Préstamos comerciales	5-7 días hábiles	78%
Préstamos personales	2-3 días hábiles	85%

Servicio al cliente localizado y enfoque centrado en la comunidad

En 2023, Eagle Bancorp mantuvo 51 sucursales en Maryland, Washington D.C. y Virginia, con un total de 764 empleados a tiempo completo dedicados a los servicios bancarios regionales.

Experiencias bancarias digitales y tradicionales integradas

Métricas bancarias digitales para 2023 reveladas:

• Usuarios de banca móvil: 124,000
• Volumen de transacciones en línea: 3.2 millones de transacciones
• Tasa de adopción de banca digital: 67% de la base total de clientes

Servicio digital	Compromiso de usuario
Aplicación de banca móvil	82% usuarios activos mensuales
Pago de factura en línea	68% de los clientes de banca digital

Eagle Bancorp, Inc. (EGBN) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones dedicadas para clientes comerciales

A partir del cuarto trimestre de 2023, Eagle Bancorp mantiene 87 gerentes de relaciones dedicados que sirven a clientes comerciales y comerciales en las regiones de Maryland y Washington D.C. Tamaño promedio de la cartera por gerente de relaciones: $ 42.3 millones.

Segmento de clientes	Número de gerentes dedicados	Valor de cartera promedio
Pequeño negocio	42	$ 18.5 millones
Corporativo de mercado medio	35	$ 67.2 millones
Servicios profesionales	10	$ 33.7 millones

Servicios de consulta financiera personalizada

Eagle Bancorp proporciona consultas financieras complementarias con una duración promedio de consulta de 1.2 horas. En 2023, el banco realizó 2.764 sesiones de consulta financiera personalizada.

Compromiso comunitario y eventos locales de redes

En 2023, Eagle Bancorp organizó 126 eventos locales de redes con asistencia total de 4,382 profesionales de negocios.

• Número de eventos de redes comerciales: 76
• Número de eventos de desarrollo comunitario: 50
• Compromiso total de los participantes: 4,382

Canales de atención al cliente digital

Métricas de soporte digital para 2023:

Canal	Tiempo de respuesta promedio	Interacciones mensuales
Chat en línea	7.2 minutos	12,543
Soporte bancario móvil	12.5 minutos	8,976
Soporte por correo electrónico	24 horas	5,621

Programas de fidelización para clientes a largo plazo

Estadísticas del programa de retención de clientes para 2023:

• Participantes del programa de lealtad total: 14,237
• Tasa promedio de retención de clientes: 87.3%
• Recompensas del programa de lealtad emitidas: $ 1.2 millones

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: canales

Red de sucursales bancarias físicas

A partir de 2023, Eagle Bancorp funciona 57 sucursales bancarias de servicio completo en las áreas metropolitanas de Maryland y Washington D.C.

Región	Número de ramas
Maryland	45
Washington D.C.	12

Plataforma bancaria en línea

La plataforma digital de Eagle Bank ofrece servicios de banca en línea integrales con las siguientes características:

• Gestión de cuentas
• Historial de transacciones
• Servicios de pago de facturas
• Transferencias de fondos

Aplicación de banca móvil

Estadísticas de aplicaciones móviles a partir del cuarto trimestre 2023:

Métrico	Valor
Descargas totales de aplicaciones móviles	87,500
Usuarios activos mensuales	52,300

Servicios de banca telefónica

Centro de llamadas de la banca telefónica Horario operativo: 7:00 am - 8:00 pm EST, lunes a sábado.

Red de cajeros automáticos

Región	ATMS totales	Ubicaciones de cajeros automáticos gratis
Maryland	42	35
Washington D.C.	15	12

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Eagle Bancorp sirve aproximadamente 12.500 clientes comerciales pequeños a medianos en las regiones de Maryland, Washington D.C. y Virginia.

Segmento de negocios	Total de clientes	Tamaño promedio del préstamo
Pequeñas empresas	8,750	$375,000
Empresas medianas	3,750	$1,250,000

Inversores inmobiliarios comerciales locales

Los préstamos inmobiliarios comerciales representan el 42% de la cartera de préstamos totales de Eagle Bancorp, con $ 2.3 mil millones en préstamos inmobiliarios comerciales al 31 de diciembre de 2023.

• Total de clientes de bienes raíces comerciales: 1.850
• Tamaño promedio del préstamo inmobiliario comercial: $ 1.24 millones
• Concentración geográfica: Maryland, D.C., Northern Virginia

Empresas de servicios profesionales

Eagle Bancorp se dirige a empresas de servicios profesionales con ingresos anuales entre $ 5 millones y $ 50 millones.

Sector profesional	Conteo de clientes	Relaciones bancarias totales
Firma de abogados	425	$ 185 millones
Empresas consultoras	312	$ 142 millones
Prácticas de atención médica	276	$ 98 millones

Clientes individuales de alto patrimonio

Eagle Bancorp atiende a aproximadamente 6,500 clientes individuales de alto valor neto con activos invertibles promedio de $ 3.2 millones.

• Umbral de activos mínimo: $ 1 millón
• Saldo promedio de la cuenta: $ 2.75 millones
• Servicios de gestión de patrimonio proporcionados

Comunidad local y empresarios regionales

El banco apoya a 2,100 empresarios locales con servicios bancarios especializados.

Categoría de emprendedor	Total de clientes	Préstamo comercial promedio
Empresarios de inicio	875	$250,000
Empresarios regionales establecidos	1,225	$750,000

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: Estructura de costos

Operación de rama y gastos de mantenimiento

A partir del cuarto trimestre de 2023, Eagle Bancorp, Inc. reportó gastos totales relacionados con las sucursales de $ 24.3 millones anuales.

Categoría de gastos	Costo anual
Alquiler y arrendamiento	$ 8.7 millones
Utilidades	$ 3.2 millones
Mantenimiento	$ 5.6 millones
Seguridad	$ 2.8 millones

Infraestructura tecnológica y desarrollo de plataforma digital

La inversión tecnológica para 2023 totalizó $ 18.5 millones.

• Actualizaciones de la plataforma de banca digital: $ 7.2 millones
• Inversiones de ciberseguridad: $ 4.3 millones
• Mantenimiento de infraestructura de TI: $ 6.1 millones
• Computación en la nube y almacenamiento de datos: $ 900,000

Salarios y beneficios de los empleados

Los gastos de compensación total para 2023 fueron de $ 112.4 millones.

Categoría de compensación	Costo anual
Salarios base	$ 82.6 millones
Bonos de rendimiento	$ 15.3 millones
Beneficios de atención médica	$ 9.2 millones
Contribuciones de jubilación	$ 5.3 millones

Costos de cumplimiento regulatorio y gestión de riesgos

Los gastos relacionados con el cumplimiento para 2023 ascendieron a $ 16.7 millones.

• Consultoría legal y regulatoria: $ 6.4 millones
• Software y sistemas de cumplimiento: $ 3.9 millones
• Personal de gestión de riesgos: $ 4.2 millones
• Gastos de auditoría e informes: $ 2.2 millones

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2023 fue de $ 9.6 millones.

Canal de marketing	Gasto anual
Marketing digital	$ 4.2 millones
Medios tradicionales	$ 2.7 millones
Patrocinios comunitarios	$ 1.5 millones
Programas de adquisición de clientes	$ 1.2 millones

Eagle Bancorp, Inc. (EGBN) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos comerciales y personales

Para el año fiscal 2023, Eagle Bancorp, Inc. reportó ingresos por intereses totales de $ 330.7 millones. Desglose de los ingresos por intereses de la cartera de préstamos:

Categoría de préstamo	Ingresos de intereses ($ M)
Préstamos inmobiliarios comerciales	$198.4
Préstamos comerciales comerciales	$87.6
Préstamos hipotecarios residenciales	$44.7

Servicios bancarios basados ​​en tarifas

Los ingresos por tarifas para 2023 totalizaron $ 52.3 millones, con el siguiente desglose del servicio:

• Tarifas de mantenimiento de la cuenta: $ 18.6 millones
• Tarifas de sobregiro: $ 12.4 millones
• Tasas de transferencia de cables: $ 7.5 millones
• Tarifas de transacción de cajeros automáticos: $ 5.8 millones
• Otras tarifas de servicio bancario: $ 8.0 millones

Tarifas de servicio de gestión de patrimonio y asesoramiento

Los ingresos por gestión de patrimonio para 2023 fueron de $ 24.1 millones, que incluyen:

Tipo de servicio	Ingresos ($ M)
Aviso de inversión	$14.3
Servicios de confianza	$6.2
Planificación financiera	$3.6

Tarifas de transacción de actividades bancarias

Los ingresos por tarifas relacionadas con la transacción para 2023 alcanzaron $ 22.7 millones:

• Tarifas de transacción con tarjeta de crédito: $ 9.6 millones
• Tarifas de procesamiento de comerciantes: $ 7.3 millones
• Tarifas de pago electrónico: $ 5.8 millones

Inversión y venta de productos financieros

Los ingresos por ventas de productos de inversión para 2023 totalizaron $ 16.5 millones:

Categoría de productos	Ingresos ($ M)
Ventas de fondos mutuos	$8.7
Ventas de anualidades	$4.6
Venta de productos de seguro	$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).