Eagle Bancorp, Inc. (EGBN): Business Model Canvas [Jan-2025 Mis à jour]

Eagle Bancorp, Inc. (EGBN) apparaît comme une puissance financière dynamique, stratégiquement positionnée dans les zones métropolitaines du Maryland et de Washington D.C., offrant un mélange sophistiqué de banques traditionnelles et de solutions numériques de pointe. En fabriquant méticuleusement un modèle commercial qui priorise le service personnalisé, l'expertise du marché local et la technologie innovante, la banque a creusé un créneau distinctif dans le paysage financier concurrentiel. Leur approche globale intègre de manière transparente les services bancaires axés sur la communauté avec des plateformes numériques avancées, créant une proposition de valeur unique qui attire des entreprises petites à moyennes, des investisseurs immobiliers et des personnes à haute teneur en moins qui recherchent des expériences financières personnalisées.

Eagle Bancorp, Inc. (EGBN) - Modèle commercial: partenariats clés

Associations commerciales locales du Maryland et de Washington D.C.

Eagle Bancorp maintient des partenariats stratégiques avec:

Nom d'association	Focus de partenariat	Année établie
Association des banquiers du Maryland	Réseau commercial régional	Actif depuis 2010
Chambre de commerce DC	Développement commercial	Actif depuis 2008

Promoteurs immobiliers commerciaux et investisseurs immobiliers

Les partenariats clés comprennent:

• Washington Real Estate Investment Trust (Washreit)
• Propriétés Carr
• Le groupe Bozzuto

Promoteur	Portefeuille de prêts totaux	Durée du partenariat
Lavage	87,3 millions de dollars	Plus de 10 ans
Propriétés Carr	62,5 millions de dollars	8 ans

Société de gestion de patrimoine et financier

Collaborations stratégiques du service financier:

• Services financiers Raymond James
• Merrill Lynch Wealth Management
• Morgan Stanley Private Wealth Management

Fournisseurs de services technologiques pour les plates-formes bancaires numériques

Partenaire technologique	Service fourni	Investissement annuel
Finerv	Logiciel bancaire de base	4,2 millions de dollars
Jack Henry & Associés	Solutions bancaires numériques	3,7 millions de dollars

Réseaux de petites entreprises et écosystèmes entrepreneuriaux

Les partenariats actifs comprennent:

• Conseil technologique du Maryland
• DC Semaine de startup
• Innovation Alley Entrepreneurship Network

Réseau	Prêts aux petites entreprises	Impact du partenariat
Conseil technologique du Maryland	42,6 millions de dollars	Financement de startup technologique
DC Semaine de startup	28,3 millions de dollars	Soutien entrepreneurial

Eagle Bancorp, Inc. (EGBN) - Modèle d'entreprise: Activités clés

Prêts commerciaux et résidentiels

Au quatrième trimestre 2023, Eagle Bancorp a déclaré un portefeuille total de prêts de 8,48 milliards de dollars, avec la ventilation suivante:

Catégorie de prêt	Montant total	Pourcentage
Immobilier commercial	4,2 milliards de dollars	49.5%
Hypothèque résidentielle	2,1 milliards de dollars	24.7%
Commercial & Prêts industriels	1,8 milliard de dollars	21.2%
Prêts de construction	380 millions de dollars	4.6%

Gestion des comptes de dépôt et d'épargne

Dépôts totaux au 31 décembre 2023: 10,3 milliards de dollars

• Dépôts sans intérêt: 2,97 milliards de dollars
• Comptes de chèque d'intérêt: 3,41 milliards de dollars
• Comptes de marché monétaire: 2,05 milliards de dollars
• Dépôts d'épargne: 1,87 milliard de dollars

Services bancaires d'entreprise

Revenus bancaires d'entreprise pour 2023: 156,4 millions de dollars

Catégorie de service	Revenu
Vérification des affaires	42,3 millions de dollars
Prêts commerciaux	87,6 millions de dollars
Gestion de la trésorerie	26,5 millions de dollars

Développement de la plate-forme bancaire numérique et en ligne

Investissements bancaires numériques en 2023: 12,7 millions de dollars

• Utilisateurs d'applications de banque mobile: 127 000
• Volume de transactions en ligne: 3,2 millions de transactions mensuelles
• Taux d'ouverture du compte numérique: 42% des nouveaux comptes

Gestion des risques et services de conseil financier

Dépenses de gestion des risques: 8,3 millions de dollars en 2023

Zone de gestion des risques	Allocation
Conformité	3,6 millions de dollars
Évaluation des risques de crédit	2,7 millions de dollars
Sécurité technologique	2 millions de dollars

Eagle Bancorp, Inc. (EGBN) - Modèle commercial: Ressources clés

Réseau bancaire régional

Depuis le quatrième trimestre 2023, Eagle Bancorp exploite 57 emplacements de succursales à service complet dans les zones métropolitaines du Maryland et de Washington, D.C. Les actifs totaux ont déclaré: 13,1 milliards de dollars.

Présence géographique	Nombre de branches	Valeur totale de l'actif
Maryland	48	10,7 milliards de dollars
Washington, D.C.	9	2,4 milliards de dollars

Expertise en équipe de gestion

Composition du leadership à partir de 2024:

• Expérience bancaire moyenne: 25 ans
• Haute haute direction avec des antécédents bancaires régionaux spécialisés
• Équipe de leadership avec une expertise combinée de plus de 150 ans d'expertise en services financiers

Technologie bancaire numérique

Investissements sur l'infrastructure technologique pour 2023:

• 12,3 millions de dollars alloués aux mises à niveau de la plate-forme bancaire numérique
• Application bancaire mobile avec un taux d'adoption des clients de 87%
• Systèmes de cybersécurité avancés protégeant les transactions clients

Capital financier

Métrique financière	Valeur 2023
Ratio de capital de niveau 1	13.6%
Portefeuille de prêts totaux	9,8 milliards de dollars
Marge d'intérêt net	3.45%

Gestion de la relation client

Capacités du système CRM:

• Plateforme de gestion des données des clients propriétaires
• Taux de rétention de 94% en 2023
• Suivi de l'expérience bancaire personnalisée

Eagle Bancorp, Inc. (EGBN) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises locales

Au quatrième trimestre 2023, Eagle Bancorp a fourni 2,3 milliards de dollars de prêts commerciaux aux entreprises locales des marchés du Maryland, de Washington D.C. et de Virginia. Le portefeuille de prêts commerciaux de la banque a démontré un Approche ciblée du financement des entreprises régionales.

Catégorie de prêt	Volume total	Taille moyenne du prêt
Prêts aux petites entreprises	712 millions de dollars	$245,000
Immobilier commercial	1,58 milliard de dollars	1,2 million de dollars

Taux d'intérêt concurrentiels pour les prêts commerciaux et personnels

En 2023, Eagle Bancorp a offert les taux d'intérêt concurrentiels suivants:

• Taux de prêt commercial: 6,75% - 8,25%
• Taux de prêt personnel: 5,99% - 7,50%
• Taux de prêt aux petites entreprises: 7,25% - 9,00%

Processus d'approbation des prêts rapides et efficaces

Les mesures de traitement des prêts d'Eagle Bancorp pour 2023 ont montré:

Type de prêt	Temps d'approbation moyen	Taux d'approbation
Prêts commerciaux	5-7 jours ouvrables	78%
Prêts personnels	2-3 jours ouvrables	85%

Service client localisé et approche axée sur la communauté

En 2023, Eagle Bancorp a maintenu 51 succursales à travers le Maryland, Washington D.C. et Virginie, avec un total de 764 employés à temps plein dédiés aux services bancaires régionaux.

Expériences bancaires numériques et traditionnelles intégrées

Les mesures bancaires numériques pour 2023 ont révélé:

• Utilisateurs de la banque mobile: 124 000
• Volume de transactions en ligne: 3,2 millions de transactions
• Taux d'adoption des banques numériques: 67% du total de la clientèle

Service numérique	Engagement des utilisateurs
Application bancaire mobile	82% utilisateurs actifs mensuels
Payage des factures en ligne	68% des clients bancaires numériques

Eagle Bancorp, Inc. (EGBN) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations dédiés pour les clients commerciaux

Depuis le quatrième trimestre 2023, Eagle Bancorp maintient 87 gestionnaires de relations dédiés au service des clients commerciaux et commerciaux dans les régions du Maryland et de Washington D.C. Taille moyenne du portefeuille par gestionnaire de relations: 42,3 millions de dollars.

Segment client	Nombre de gestionnaires dédiés	Valeur de portefeuille moyenne
Petite entreprise	42	18,5 millions de dollars
Entreprise intermédiaire	35	67,2 millions de dollars
Services professionnels	10	33,7 millions de dollars

Services de consultation financière personnalisés

Eagle Bancorp fournit Consultations financières complémentaires Avec une durée de consultation moyenne de 1,2 heures. En 2023, la banque a organisé 2 764 séances de consultation financière personnalisées.

Engagement communautaire et événements de réseautage local

En 2023, Eagle Bancorp a accueilli 126 événements de réseautage locaux avec une fréquentation totale de 4 382 professionnels.

• Nombre d'événements de réseautage d'entreprise: 76
• Nombre d'événements de développement communautaire: 50
• Engagement total des participants: 4 382

Canaux de support client numérique

Métriques de support numérique pour 2023:

Canal	Temps de réponse moyen	Interactions mensuelles
Chat en ligne	7,2 minutes	12,543
Assistance bancaire mobile	12,5 minutes	8,976
Assistance par e-mail	24 heures	5,621

Programmes de fidélité pour les clients à long terme

Statistiques du programme de rétention de la clientèle pour 2023:

• Participants du programme de fidélité totale: 14 237
• Taux de rétention de clientèle moyen: 87,3%
• Récompenses du programme de fidélité émises: 1,2 million de dollars

Eagle Bancorp, Inc. (EGBN) - Modèle d'entreprise: canaux

Réseau de succursale bancaire physique

Depuis 2023, Eagle Bancorp fonctionne 57 succursales de banque à service complet À travers le Maryland et les zones métropolitaines de Washington D.C.

Région	Nombre de branches
Maryland	45
Washington D.C.	12

Plateforme bancaire en ligne

La plate-forme numérique d'Eagle Bank fournit des services bancaires en ligne complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Historique des transactions
• Services de paiement
• Transferts de fonds

Application bancaire mobile

Statistiques des applications mobiles auprès du quatrième trimestre 2023:

Métrique	Valeur
Téléchargements totaux d'applications mobiles	87,500
Utilisateurs actifs mensuels	52,300

Services bancaires téléphoniques

Téléphone Centre d'appel HEURES OPÉRATIONS: 7h00 à 20h00 HNE, lundi au samedi.

Réseau ATM

Région	Total de distributeurs automatiques de billets	Emplacements ATM gratuits
Maryland	42	35
Washington D.C.	15	12

Eagle Bancorp, Inc. (EGBN) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Eagle Bancorp dessert environ 12 500 clients commerciaux de petite à moyenne taille des régions du Maryland, de Washington D.C. et de Virginie.

Segment d'entreprise	Total des clients	Taille moyenne du prêt
Petites entreprises	8,750	$375,000
Entreprises moyennes	3,750	$1,250,000

Investisseurs immobiliers commerciaux locaux

Les prêts immobiliers commerciaux représentent 42% du portefeuille total des prêts d'Eagle Bancorp, avec 2,3 milliards de dollars de prêts immobiliers commerciaux au 31 décembre 2023.

• Clients immobiliers commerciaux totaux: 1 850
• Taille du prêt immobilier commercial moyen: 1,24 million de dollars
• Concentration géographique: Maryland, D.C., Nord-Virginie

Entreprises de services professionnels

Eagle Bancorp cible les sociétés de services professionnels avec des revenus annuels entre 5 et 50 millions de dollars.

Secteur professionnel	Nombre de clients	Relations bancaires totales
Cabinets d'avocats	425	185 millions de dollars
Cabinets de conseil	312	142 millions de dollars
Pratiques de santé	276	98 millions de dollars

Clients individuels à haute noue

Eagle Bancorp dessert environ 6 500 clients individuels à haute noue avec des actifs investissables moyens de 3,2 millions de dollars.

• Seuil minimum d'actif: 1 million de dollars
• Solde moyen du compte: 2,75 millions de dollars
• Services de gestion de patrimoine fournis

Communauté locale et entrepreneurs régionaux

La banque soutient 2 100 entrepreneurs locaux avec des services bancaires spécialisés.

Catégorie entrepreneur	Total des clients	Prêt commercial moyen
Entrepreneurs de startup	875	$250,000
Entrepreneurs régionaux établis	1,225	$750,000

Eagle Bancorp, Inc. (EGBN) - Modèle d'entreprise: Structure des coûts

Frais de fonctionnement et de maintenance de la succursale

Au quatrième trimestre 2023, Eagle Bancorp, Inc. a déclaré des dépenses totales liées à la succursale de 24,3 millions de dollars par an.

Catégorie de dépenses	Coût annuel
Loyer et location	8,7 millions de dollars
Services publics	3,2 millions de dollars
Entretien	5,6 millions de dollars
Sécurité	2,8 millions de dollars

Infrastructure technologique et développement de plate-forme numérique

L'investissement technologique pour 2023 a totalisé 18,5 millions de dollars.

• Mises à niveau de la plate-forme bancaire numérique: 7,2 millions de dollars
• Investissements en cybersécurité: 4,3 millions de dollars
• Maintenance des infrastructures informatiques: 6,1 millions de dollars
• Cloud Computing et stockage de données: 900 000 $

Salaires et avantages sociaux des employés

Les dépenses totales de rémunération pour 2023 étaient de 112,4 millions de dollars.

Catégorie de compensation	Coût annuel
Salaires de base	82,6 millions de dollars
Bonus de performance	15,3 millions de dollars
Avantages sociaux	9,2 millions de dollars
Contributions à la retraite	5,3 millions de dollars

Contacments de conformité réglementaire et de gestion des risques

Les dépenses liées à la conformité pour 2023 s'élevaient à 16,7 millions de dollars.

• Conseil juridique et réglementaire: 6,4 millions de dollars
• Logiciel et systèmes de conformité: 3,9 millions de dollars
• Personnel de gestion des risques: 4,2 millions de dollars
• Frais d'audit et de rapport: 2,2 millions de dollars

Frais de marketing et d'acquisition des clients

Le budget marketing de 2023 était de 9,6 millions de dollars.

Canal de marketing	Dépenses annuelles
Marketing numérique	4,2 millions de dollars
Médias traditionnels	2,7 millions de dollars
Parrainages communautaires	1,5 million de dollars
Programmes d'acquisition de clients	1,2 million de dollars

Eagle Bancorp, Inc. (EGBN) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux et personnels

Pour l'exercice 2023, Eagle Bancorp, Inc. a déclaré un revenu total d'intérêts de 330,7 millions de dollars. Répartition des bénéfices des intérêts du portefeuille de prêts:

Catégorie de prêt	Revenu des intérêts ($ m)
Prêts immobiliers commerciaux	$198.4
Prêts commerciaux	$87.6
Prêts hypothécaires résidentiels	$44.7

Services bancaires basés sur les frais

Les revenus des frais pour 2023 ont totalisé 52,3 millions de dollars, avec la ventilation du service suivante:

• Frais de maintenance du compte: 18,6 millions de dollars
• Frais de découvert: 12,4 millions de dollars
• Frais de transfert de fil: 7,5 millions de dollars
• Frais de transaction ATM: 5,8 millions de dollars
• Autres frais de service bancaire: 8,0 millions de dollars

Frais de gestion de la patrimoine et de consultation

Les revenus de gestion de la patrimoine pour 2023 étaient de 24,1 millions de dollars, notamment:

Type de service	Revenus ($ m)
Avis d'investissement	$14.3
Services de confiance	$6.2
Planification financière	$3.6

Frais de transaction des activités bancaires

Le revenu des frais liés aux transactions pour 2023 a atteint 22,7 millions de dollars:

• Frais de transaction de carte de crédit: 9,6 millions de dollars
• Frais de traitement des marchands: 7,3 millions de dollars
• Frais de paiement électronique: 5,8 millions de dollars

Investissement et ventes de produits financiers

Les revenus de vente de produits d'investissement pour 2023 ont totalisé 16,5 millions de dollars:

Catégorie de produits	Revenus ($ m)
Ventes de fonds communs de placement	$8.7
Ventes de rente	$4.6
Ventes de produits d'assurance	$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).