Eagle Bancorp, Inc. (EGBN): Modelo de negócios Canvas [Jan-2025 Atualizado]

A Eagle Bancorp, Inc. (EGBN) surge como uma potência financeira dinâmica, estrategicamente posicionada nas áreas metropolitanas de Maryland e Washington D.C., oferecendo uma mistura sofisticada de soluções digitais bancárias e de ponta tradicionais. Ao elaborar meticulosamente um modelo de negócios que prioriza o serviço personalizado, a experiência do mercado local e a tecnologia inovadora, o banco criou um nicho distinto no cenário financeiro competitivo. Sua abordagem abrangente integra perfeitamente o setor bancário focado na comunidade com plataformas digitais avançadas, criando uma proposta de valor exclusiva que atrai pequenas e médias empresas, investidores imobiliários e indivíduos de alta rede que buscam experiências financeiras personalizadas.

Eagle Bancorp, Inc. (EGBN) - Modelo de negócios: Parcerias -chave

Associações comerciais locais em Maryland e Washington DC

Eagle Bancorp mantém parcerias estratégicas com:

Nome da associação	Foco em parceria	Ano estabelecido
Associação de Banqueiros de Maryland	Rede de negócios regionais	Ativo desde 2010
Câmara de Comércio DC	Desenvolvimento de negócios	Ativo desde 2008

Consultores imobiliários comerciais e investidores imobiliários

As principais parcerias incluem:

• Washington Real Estate Investment Trust (WashReit)
• Carr Properties
• O grupo Bozzuto

Desenvolvedor	Portfólio total de empréstimos	Duração da parceria
Washreit	US $ 87,3 milhões	Mais de 10 anos
Carr Properties	US $ 62,5 milhões	8 anos

Gestão de patrimônio e empresas de consultoria financeira

Colaborações estratégicas de serviços financeiros:

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

Provedores de serviços de tecnologia para plataformas bancárias digitais

Parceiro de tecnologia	Serviço prestado	Investimento anual
Fiserv	Software bancário principal	US $ 4,2 milhões
Jack Henry & Associados	Soluções bancárias digitais	US $ 3,7 milhões

Redes de pequenas empresas e ecossistemas empresariais

Parcerias ativas incluem:

• Conselho de Tecnologia de Maryland
• DC Startup Week
• Rede de Empreendedorismo do Innovation Alley

Rede	Empréstimos para pequenas empresas	Impacto da parceria
Conselho de Tecnologia de Maryland	US $ 42,6 milhões	Financiamento de inicialização de tecnologia
DC Startup Week	US $ 28,3 milhões	Suporte empreendedor

Eagle Bancorp, Inc. (EGBN) - Modelo de negócios: Atividades -chave

Empréstimos comerciais e residenciais

A partir do quarto trimestre 2023, a Eagle Bancorp registrou uma carteira de empréstimos totais de US $ 8,48 bilhões, com a seguinte quebra:

Categoria de empréstimo	Montante total	Percentagem
Imóveis comerciais	US $ 4,2 bilhões	49.5%
Hipoteca residencial	US $ 2,1 bilhões	24.7%
Comercial & Empréstimos industriais	US $ 1,8 bilhão	21.2%
Empréstimos de construção	US $ 380 milhões	4.6%

Gerenciamento de contas de depósito e poupança

Total de depósitos em 31 de dezembro de 2023: US $ 10,3 bilhões

• Depósitos de não entre interesse: US $ 2,97 bilhões
• Contas de corrente portadoras de juros: US $ 3,41 bilhões
• Contas do mercado monetário: US $ 2,05 bilhões
• Depósitos de poupança: US $ 1,87 bilhão

Serviços bancários de negócios

Receita bancária de negócios para 2023: US $ 156,4 milhões

Categoria de serviço	Receita
Verificação de negócios	US $ 42,3 milhões
Empréstimos comerciais	US $ 87,6 milhões
Gerenciamento do Tesouro	US $ 26,5 milhões

Desenvolvimento de plataforma bancária digital e online

Investimentos bancários digitais em 2023: US $ 12,7 milhões

• Usuários de aplicativos bancários móveis: 127.000
• Volume de transações online: 3,2 milhões de transações mensais
• Taxa de abertura da conta digital: 42% das novas contas

Gerenciamento de riscos e serviços de consultoria financeira

Despesas de gerenciamento de riscos: US $ 8,3 milhões em 2023

Área de gerenciamento de riscos	Alocação
Conformidade	US $ 3,6 milhões
Avaliação de risco de crédito	US $ 2,7 milhões
Segurança tecnológica	US $ 2 milhões

Eagle Bancorp, Inc. (EGBN) - Modelo de negócios: Recursos -chave

Rede Bancária Regional

A partir do quarto trimestre 2023, o Eagle Bancorp opera 57 locais de filiais em serviço em Maryland e Washington, DC, áreas metropolitanas. Total de ativos relatados: US $ 13,1 bilhões.

Presença geográfica	Número de ramificações	Valor total do ativo
Maryland	48	US $ 10,7 bilhões
Washington, D.C.	9	US $ 2,4 bilhões

Especialização da equipe de gerenciamento

Composição de liderança em 2024:

• Experiência bancária executiva média: 25 anos
• Gestão sênior com formação bancária regional especializada
• Equipe de liderança com mais de 150 anos de experiência em serviços financeiros

Tecnologia bancária digital

Investimentos de infraestrutura de tecnologia para 2023:

• US $ 12,3 milhões alocados para atualizações da plataforma bancária digital
• Aplicativo bancário móvel com 87% de taxa de adoção do cliente
• Sistemas avançados de segurança cibernética protegendo transações de clientes

Capital financeiro

Métrica financeira	2023 valor
Índice de capital de camada 1	13.6%
Portfólio total de empréstimos	US $ 9,8 bilhões
Margem de juros líquidos	3.45%

Gerenciamento de relacionamento com o cliente

Recursos do sistema CRM:

• Plataforma proprietária de gerenciamento de dados do cliente
• 94% da taxa de retenção de clientes em 2023
• Rastreamento de experiência bancária personalizada

Eagle Bancorp, Inc. (EGBN) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre de 2023, a Eagle Bancorp forneceu US $ 2,3 bilhões em empréstimos comerciais para empresas locais nos mercados de Maryland, Washington DC e Virgínia. A carteira de empréstimos comerciais do banco demonstrou um Abordagem direcionada ao financiamento de negócios regionais.

Categoria de empréstimo	Volume total	Tamanho médio do empréstimo
Empréstimos para pequenas empresas	US $ 712 milhões	$245,000
Imóveis comerciais	US $ 1,58 bilhão	US $ 1,2 milhão

Taxas de juros competitivas para empréstimos comerciais e pessoais

Em 2023, o Eagle Bancorp ofereceu as seguintes taxas de juros competitivas:

• Taxas de empréstimos comerciais: 6,75% - 8,25%
• Taxas de empréstimo pessoal: 5,99% - 7,50%
• Taxas de empréstimos para pequenas empresas: 7,25% - 9,00%

Processos de aprovação de empréstimos rápidos e eficientes

As métricas de processamento de empréstimos da Eagle Bancorp para 2023 mostraram:

Tipo de empréstimo	Tempo médio de aprovação	Taxa de aprovação
Empréstimos comerciais	5-7 dias úteis	78%
Empréstimos pessoais	2-3 dias úteis	85%

Atendimento ao cliente localizado e abordagem focada na comunidade

Em 2023, a Eagle Bancorp manteve 51 localizações de filiais em Maryland, Washington DC e Virginia, com um total de 764 funcionários em período integral dedicados aos serviços bancários regionais.

Experiências bancárias digitais e tradicionais integradas

As métricas bancárias digitais para 2023 revelaram:

• Usuários bancários móveis: 124.000
• Volume de transações online: 3,2 milhões de transações
• Taxa de adoção bancária digital: 67% da base total de clientes

Serviço digital	Engajamento do usuário
Aplicativo bancário móvel	82% de usuários ativos mensais
Pagamento on -line	68% dos clientes bancários digitais

Eagle Bancorp, Inc. (EGBN) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados para clientes de negócios

A partir do quarto trimestre 2023, a Eagle Bancorp mantém 87 gerentes de relacionamento dedicados que atendem a clientes comerciais e comerciais nas regiões de Maryland e Washington DC. Tamanho médio do portfólio por gerente de relacionamento: US $ 42,3 milhões.

Segmento de cliente	Número de gerentes dedicados	Valor médio do portfólio
Pequenas empresas	42	US $ 18,5 milhões
Corporativa do mercado intermediário	35	US $ 67,2 milhões
Serviços profissionais	10	US $ 33,7 milhões

Serviços personalizados de consulta financeira

Eagle Bancorp fornece Consultas financeiras de cortesia com uma duração média de consulta de 1,2 horas. Em 2023, o banco conduziu 2.764 sessões de consulta financeira personalizadas.

Eventos de envolvimento da comunidade e networking local

Em 2023, o Eagle Bancorp sediou 126 eventos de rede locais com participação total de 4.382 profissionais de negócios.

• Número de eventos de rede de negócios: 76
• Número de eventos de desenvolvimento comunitário: 50
• Engajamento total dos participantes: 4.382

Canais de suporte ao cliente digital

Métricas de suporte digital para 2023:

Canal	Tempo médio de resposta	Interações mensais
Chat online	7,2 minutos	12,543
Suporte bancário móvel	12,5 minutos	8,976
Suporte por e -mail	24 horas	5,621

Programas de fidelidade para clientes de longo prazo

Estatísticas do programa de retenção de clientes para 2023:

• Total Lealty Program Participantes: 14.237
• Taxa média de retenção de clientes: 87,3%
• Programa de fidelidade recompensas emitidas: US $ 1,2 milhão

Eagle Bancorp, Inc. (EGBN) - Modelo de negócios: canais

Rede de agência bancária física

A partir de 2023, o Eagle Bancorp opera 57 agências bancárias de serviço completo em Maryland e nas áreas metropolitanas de Washington DC.

Região	Número de ramificações
Maryland	45
Washington D.C.	12

Plataforma bancária online

A plataforma digital do Eagle Bank fornece serviços bancários on -line abrangentes com os seguintes recursos:

• Gerenciamento de contas
• Histórico de transações
• Serviços de pagamento de contas
• Transferências de fundos

Aplicativo bancário móvel

Estatísticas de aplicativos móveis a partir do quarto trimestre 2023:

Métrica	Valor
Downloads de aplicativos móveis totais	87,500
Usuários ativos mensais	52,300

Serviços bancários telefônicos

Phone Banking Call Center Hours Operational Hour: 7:00 - 20:00 EST, de segunda a sábado.

Rede ATM

Região	ATMs totais	Locais de atm gratuitos
Maryland	42	35
Washington D.C.	15	12

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Eagle Bancorp atende a aproximadamente 12.500 clientes comerciais pequenos e médios nas regiões de Maryland, Washington DC e Virginia.

Segmento de negócios	Total de clientes	Tamanho médio do empréstimo
Pequenas empresas	8,750	$375,000
Empresas médias	3,750	$1,250,000

Investidores imobiliários comerciais locais

Os empréstimos imobiliários comerciais representam 42% da carteira total de empréstimos da Eagle Bancorp, com US $ 2,3 bilhões em empréstimos imobiliários comerciais em 31 de dezembro de 2023.

• Total de clientes comerciais imobiliários: 1.850
• Tamanho médio do empréstimo imobiliário comercial: US $ 1,24 milhão
• Concentração geográfica: Maryland, D.C., norte da Virgínia

Empresas de serviços profissionais

A Eagle Bancorp tem como alvo empresas de serviços profissionais com receita anual entre US $ 5 milhões e US $ 50 milhões.

Setor profissional	Contagem de clientes	Total de relacionamentos bancários
Escritórios de advocacia	425	US $ 185 milhões
Empresas de consultoria	312	US $ 142 milhões
Práticas de saúde	276	US $ 98 milhões

Clientes individuais de alta rede

A Eagle Bancorp atende a aproximadamente 6.500 clientes individuais de alto patrimônio líquido, com ativos investíveis médios de US $ 3,2 milhões.

• Limite mínimo de ativos: US $ 1 milhão
• Saldo médio da conta: US $ 2,75 milhões
• Serviços de gerenciamento de patrimônio fornecidos

Comunidade local e empreendedores regionais

O banco suporta 2.100 empresários locais com serviços bancários especializados.

Categoria empreendedora	Total de clientes	Empréstimo médio comercial
Empreendedores iniciantes	875	$250,000
Empreendedores regionais estabelecidos	1,225	$750,000

Eagle Bancorp, Inc. (EGBN) - Modelo de negócios: estrutura de custos

Operação de ramificação e despesas de manutenção

A partir do quarto trimestre 2023, a Eagle Bancorp, Inc. relatou despesas totais relacionadas à filial de US $ 24,3 milhões anualmente.

Categoria de despesa	Custo anual
Alugar e arrendar	US $ 8,7 milhões
Utilitários	US $ 3,2 milhões
Manutenção	US $ 5,6 milhões
Segurança	US $ 2,8 milhões

Infraestrutura de tecnologia e desenvolvimento da plataforma digital

O investimento em tecnologia para 2023 totalizou US $ 18,5 milhões.

• Atualizações da plataforma bancária digital: US $ 7,2 milhões
• Investimentos de segurança cibernética: US $ 4,3 milhões
• Manutenção de infraestrutura de TI: US $ 6,1 milhões
• Computação em nuvem e armazenamento de dados: US $ 900.000

Salários e benefícios dos funcionários

As despesas totais de compensação para 2023 foram de US $ 112,4 milhões.

Categoria de compensação	Custo anual
Salários da base	US $ 82,6 milhões
Bônus de desempenho	US $ 15,3 milhões
Benefícios de saúde	US $ 9,2 milhões
Contribuições de aposentadoria	US $ 5,3 milhões

Custos de conformidade regulatória e gerenciamento de riscos

As despesas relacionadas à conformidade em 2023 totalizaram US $ 16,7 milhões.

• Consultoria legal e regulatória: US $ 6,4 milhões
• Software e sistemas de conformidade: US $ 3,9 milhões
• Pessoal de gerenciamento de riscos: US $ 4,2 milhões
• Despesas de auditoria e relatório: US $ 2,2 milhões

Despesas de marketing e aquisição de clientes

O orçamento de marketing para 2023 foi de US $ 9,6 milhões.

Canal de marketing	Gasto anual
Marketing digital	US $ 4,2 milhões
Mídia tradicional	US $ 2,7 milhões
Patrocínio da comunidade	US $ 1,5 milhão
Programas de aquisição de clientes	US $ 1,2 milhão

Eagle Bancorp, Inc. (EGBN) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais e pessoais

Para o ano fiscal de 2023, a Eagle Bancorp, Inc. relatou receita total de juros de US $ 330,7 milhões. Repartição da receita de juros da carteira de empréstimos:

Categoria de empréstimo	Receita de juros ($ m)
Empréstimos imobiliários comerciais	$198.4
Empréstimos comerciais comerciais	$87.6
Empréstimos hipotecários residenciais	$44.7

Serviços bancários baseados em taxas

A receita da taxa de 2023 totalizou US $ 52,3 milhões, com a seguinte quebra de serviço:

• Taxas de manutenção de conta: US $ 18,6 milhões
• Taxas de cheque especial: US $ 12,4 milhões
• Taxas de transferência de fio: US $ 7,5 milhões
• Taxas de transação ATM: US $ 5,8 milhões
• Outras taxas de serviço bancário: US $ 8,0 milhões

Taxas de gerenciamento de patrimônio e consultoria

A receita de gestão de patrimônio para 2023 foi de US $ 24,1 milhões, incluindo:

Tipo de serviço	Receita ($ m)
Aviso de investimento	$14.3
Serviços de confiança	$6.2
Planejamento financeiro	$3.6

Taxas de transação de atividades bancárias

A receita da taxa relacionada à transação em 2023 atingiu US $ 22,7 milhões:

• Taxas de transação do cartão de crédito: US $ 9,6 milhões
• Taxas de processamento do comerciante: US $ 7,3 milhões
• Taxas eletrônicas de pagamento: US $ 5,8 milhões

Vendas de investimento e produtos financeiros

A receita de vendas de produtos de investimento para 2023 totalizou US $ 16,5 milhões:

Categoria de produto	Receita ($ m)
Vendas de fundos mútuos	$8.7
Vendas de anuidades	$4.6
Vendas de produtos 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).