What Eagle Bancorp, Inc. told the SEC could break it.

Because the bank's assets and liabilities are monetary, interest rates have a greater impact on performance than inflation, exposing net interest income to rate moves.

“As a result, interest rates have a greater impact on our performance than do the effects of general levels of inflation. Interest rates do not necessarily move in the same direction or to the same extent as the price of goods or services.”

Eagle relies on brokered deposits to support growth; if such deposits become unavailable or insufficient, it could materially affect the business.

“There can be no assurance that brokered deposits will be available, or if available, sufficient to support our growth. The migration from one financing source to another financing source may negatively impact our business. The lack of availability of sufficient brokered deposits may have a material adverse effect on our business, financial condition and results of operations.”

Eagle recognized 2025 loan losses on high-risk loans concentrated in the commercial real estate office segment after updated collateral valuations — a continuing CRE-office concentration risk.

“Management believes the ACL as of December 31, 2025 remains adequate to absorb estimated losses inherent in the portfolio following the loss recognition on high-risk loans concentrated in the commercial real estate office segment. The losses recognized in 2025 were primarily due to updated valuations on the underlying collateral for certain loans and the incorporation of new information about borrower performance.”

EagleBank's twelve branches are all in the Washington DC metro (six Suburban Maryland, three DC, three Northern Virginia), concentrating exposure to that federal-government-dependent regional economy.

“The Bank currently operates twelve branch offices: six in Suburban Maryland; three located in the District of Columbia; and three in Northern Virginia.”