Total assets have contracted from $11.7 billion in 2023Q4 to $10.0 billion in 2026Q1, reflecting a necessary deleveraging amidst persistent credit headwinds.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 | Dec'98 |
|---|
| Cash & Short Term Investments | 4.45B | 1.39B | 1.5B | 2.23B | 1.88B | 4.32B | 2.91B | 1.05B | 1.09B | 763.97M | 903.87M | 782.44M | 634.85M | 679.4M | 631.3M | 524.44M | 24.07M | 29.44M | 29.65M | 19.9M | 24.11M | 27.89M | 40.69M | 29.43M | 24.69M | 6.64M | 9.05M | 3.8M | 1.3M |
| Cash & Due from Banks | 12.63M | 695.69M | 630.9M | 718.94M | 277.93M | 1.69B | 1.76B | 202.99M | 309.93M | 174.71M | 365.77M | 294.57M | 252.51M | 301.26M | 331.48M | 210.63M | 24.07M | 29.44M | 29.65M | 19.9M | 24.11M | 27.89M | 40.69M | 29.43M | 24.69M | 6.64M | 9.05M | 3.8M | 1.3M |
| Short Term Investments | 0 | 691.64M | 866.12M | 1.51B | 1.6B | 2.62B | 1.15B | 843.36M | 784.14M | 589.27M | 538.11M | 487.87M | 382.34M | 378.13M | 299.82M | 313.81M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 9.24B | 9.04B | 10.03B | 10.4B | 10.26B | 9.66B | 8.89B | 8.37B | 7.72B | 6.96B | 6.21B | 5.48B | 4.69B | 3.32B | 2.98B | 2.52B | 1.96B | 1.62B | 1.41B | 797.93M | 711.7M | 614.2M | 477.57M | 400.08M | 310.31M | 225.26M | 148.97M | 99.9M | 42.6M |
| Investments Growth % | -33.51% | -9.81% | -3.64% | 1.41% | 6.2% | 8.68% | 6.18% | 8.38% | 10.97% | 12.12% | 13.27% | 16.79% | 41.17% | 11.47% | 18.48% | 28.47% | 21.29% | 14.62% | 76.64% | 12.12% | 15.87% | 28.61% | 19.37% | 28.93% | 37.76% | 51.21% | 49.12% | 134.51% | - |
| Long-Term Investments | 34.52B | 8.35B | 9.16B | 8.9B | 8.66B | 7.04B | 7.74B | 7.53B | 6.94B | 6.37B | 5.67B | 4.99B | 4.31B | 2.95B | 2.68B | 2.2B | 1.96B | 1.62B | 1.41B | 797.93M | 711.7M | 614.2M | 477.57M | 400.08M | 310.31M | 225.26M | 148.97M | 99.9M | 42.6M |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14.73M | 6.04M | 17.69M | 18.28M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 16K | 104.92M | 104.23M | 104.25M | 105.11M | 104.74M | 105.77M | 107.21M | 107.42M | 108.54M | 109.91M | 3.51M | 3.79M | 4.14M | 4.19M | 4.38M | 2.53M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 104.17M | 104.17M | 104.17M | 104.17M | 104.17M | 104.17M | 104.17M | 104.17M | 104.17M | 104.17M | 104.42M | 2.16M | 2.16M | 2.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | -104.15M | 757K | 65K | 87K | 946K | 571K | 1.6M | 3.04M | 3.25M | 4.37M | 5.48M | 1.35M | 1.62M | 1.98M | 4.19M | 4.38M | 2.53M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 40.43M | 41.25M | 26.19M | 29.32M | 38.02M | 45.11M | 38.79M | 41.99M | 16.85M | 20.99M | 20.66M | 18.25M | 19.1M | 16.74M | 15.26M | 12.32M | 9.37M | 9.25M | 9.67M | 6.7M | 6.95M | 5.77M | 5.73M | 4.26M | 3.6M | 3.17M | 2.62M | 2.7M | 2.4M |
| Other Assets | 490.98M | 584.87M | 354.38M | 319.85M | 374.15M | 299.68M | 284.55M | 237.04M | 198.67M | 186.22M | 139.47M | 132.86M | 140.87M | 96.64M | 57.44M | 72.25M | 77.91M | 134.51M | 19.71M | 15.82M | 13.01M | 6.1M | 29.46M | 9.22M | 9.22M | 1.76M | 3.44M | 6.82M | 5.7M |
| Total Current Assets | 51.43M | 1.39B | 1.5B | 2.23B | 1.88B | 4.32B | 2.91B | 1.05B | 1.09B | 763.97M | 903.87M | 782.44M | 634.85M | 679.4M | 631.3M | 524.44M | 24.07M | 29.44M | 44.38M | 25.94M | 41.8M | 46.17M | 40.69M | 29.43M | 24.69M | 6.64M | 9.05M | 3.8M | 1.3M |
| Total Non-Current Assets | 9.9B | 9.11B | 9.63B | 9.44B | 9.27B | 7.53B | 8.21B | 7.94B | 7.3B | 6.72B | 5.99B | 5.29B | 4.61B | 3.09B | 2.78B | 2.31B | 2.07B | 1.78B | 1.45B | 820.46M | 731.66M | 626.08M | 512.76M | 413.56M | 323.14M | 230.19M | 155.03M | 109.42M | 50.7M |
| Total Assets | 9.95B | 10.5B | 11.13B | 11.66B | 11.15B | 11.85B | 11.12B | 8.99B | 8.39B | 7.48B | 6.89B | 6.08B | 5.25B | 3.77B | 3.41B | 2.83B | 2.09B | 1.81B | 1.5B | 846.4M | 773.45M | 672.25M | 553.45M | 443M | 347.83M | 236.83M | 164.08M | 113.2M | 52M |
| Asset Growth % | -28.09% | -5.68% | -4.59% | 4.61% | -5.88% | 6.56% | 23.69% | 7.15% | 12.22% | 8.5% | 13.39% | 15.79% | 39.15% | 10.62% | 20.42% | 35.51% | 15.72% | 20.62% | 76.85% | 9.43% | 15.05% | 21.47% | 24.93% | 27.36% | 46.87% | 44.34% | 44.95% | 117.69% | - |
| Return on Assets (ROA) | -1.1% | -1.18% | -0.41% | 0.88% | 1.23% | 1.54% | 1.32% | 1.65% | 1.92% | 1.4% | 1.51% | 1.49% | 1.2% | 1.31% | 1.13% | 1% | 0.86% | 0.63% | 0.63% | 0.95% | 1.11% | 1.23% | 1.02% | 0.81% | 0.91% | 0.88% | 0.76% | -1.09% | -2.69% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 111.04M | 111.68M | 623.08M | 1.49B | 1.11B | 429.09M | 622.83M | 528.63M | 247.71M | 618.47M | 285.39M | 141.28M | 280.42M | 119.77M | 140.64M | 152.66M | 49.3M | 150.09M | 215.95M | 128.41M | 68.06M | 32.1M | 30.32M | 53.04M | 14.33M | 9.68M | 1.04M | 300K | 0 |
| Net Debt | 98.42M | -584.01M | -7.82M | 774.72M | 831.24M | -1.26B | -1.14B | 325.64M | -62.22M | 443.76M | -80.38M | -153.29M | 27.91M | -181.49M | -190.84M | -57.96M | 25.23M | 120.65M | 186.31M | 108.51M | 43.96M | 4.21M | -10.38M | 23.61M | -10.36M | 3.03M | -8.01M | -3.5M | -1.3M |
| Long-Term Debt | 76.51M | 76.43M | 76.11M | 69.92M | 69.79M | 69.67M | 268.08M | 217.69M | 217.3M | 216.91M | 216.51M | 68.93M | 119.3M | 39.3M | 39.3M | 49.3M | 49.3M | 49.3M | 62.15M | 30M | 22M | 0 | 0 | 10.59M | 14.33M | 9.68M | 0 | 0 | 0 |
| Short-Term Debt | 4.93M | 4.73M | 523.16M | 1.4B | 1.01B | 323.92M | 326.73M | 280.98M | 30.41M | 401.56M | 68.88M | 72.36M | 161.12M | 80.47M | 101.34M | 103.36M | 0 | 100.79M | 153.8M | 98.41M | 46.06M | 32.14M | 30.32M | 42.45M | 0 | 0 | 1.04M | 300K | 0 |
| Other Liabilities | 8.7B | 9.24B | 149.29M | 88.56M | 100.19M | 85.91M | 64.88M | 45.02M | 58.2M | 56.14M | 45.79M | 37.25M | 35.93M | 32.45M | 21.61M | 19.79M | 108.56M | 6.82M | 9.12M | 5.89M | 3.96M | 6.26M | 2.32M | 1.43M | 35.03M | 14.34M | 11.66M | 8.22M | 2.5M |
| Total Current Liabilities | 4.93M | 4.73M | 9.65B | 10.21B | 9.72B | 10.31B | 9.52B | 7.51B | 7B | 6.26B | 5.78B | 5.23B | 4.47B | 3.31B | 3B | 2.5B | 1.73B | 1.56B | 1.28B | 729.34M | 674.58M | 601.03M | 492.6M | 377.97M | 278.43M | 195.69M | 136.9M | 91.3M | 34.6M |
| Total Non-Current Liabilities | 8.8B | 9.36B | 249.21M | 181.71M | 199.25M | 191.08M | 360.98M | 292.67M | 275.5M | 273.05M | 262.31M | 106.18M | 155.23M | 71.75M | 60.91M | 69.09M | 157.86M | 56.12M | 71.27M | 35.89M | 25.96M | 6.26M | 2.32M | 12.02M | 49.37M | 24.01M | 11.66M | 8.22M | 2.5M |
| Total Liabilities | 8.81B | 9.36B | 9.9B | 10.39B | 9.92B | 10.5B | 9.88B | 7.8B | 7.28B | 6.53B | 6.05B | 5.34B | 4.63B | 3.38B | 3.06B | 2.56B | 1.88B | 1.62B | 1.35B | 765.23M | 700.53M | 607.29M | 494.92M | 389.99M | 327.8M | 219.7M | 148.56M | 99.5M | 37.1M |
| Total Equity | 1.15B | 1.14B | 1.23B | 1.27B | 1.23B | 1.35B | 1.24B | 1.19B | 1.11B | 950.44M | 842.8M | 738.6M | 620.76M | 393.86M | 349.98M | 266.71M | 204.72M | 188.32M | 142.37M | 81.17M | 72.92M | 64.96M | 58.53M | 53.01M | 20.03M | 17.13M | 15.52M | 13.7M | 14.9M |
| Equity Growth % | -21.9% | -6.91% | -3.78% | 3.74% | -9.07% | 8.86% | 4.22% | 7.37% | 16.68% | 12.77% | 14.11% | 18.98% | 57.61% | 12.54% | 31.22% | 30.28% | 8.71% | 32.27% | 75.41% | 11.31% | 12.24% | 10.99% | 10.42% | 164.69% | 16.9% | 10.37% | 13.3% | -8.05% | - |
| Equity / Assets (Capital Ratio) | 11.51% | 10.87% | 11.02% | 10.92% | 11.02% | 11.4% | 11.16% | 13.25% | 13.22% | 12.71% | 12.23% | 12.15% | 11.83% | 10.44% | 10.26% | 9.42% | 9.8% | 10.43% | 9.51% | 9.59% | 9.43% | 9.66% | 10.58% | 11.97% | 5.76% | 7.23% | 9.46% | 12.1% | 28.65% |
| Return on Equity (ROE) | -10.01% | -10.82% | -3.76% | 8.03% | 10.93% | 13.64% | 10.88% | 12.43% | 14.79% | 11.18% | 12.36% | 12.38% | 10.7% | 12.64% | 11.44% | 10.42% | 8.48% | 6.3% | 6.65% | 10% | 11.64% | 12.22% | 9.12% | 8.8% | 14.35% | 10.74% | 7.24% | -6.29% | -9.4% |
| Book Value per Share | 37.50 | 37.74 | 40.66 | 41.93 | 38.29 | 42.21 | 38.34 | 34.80 | 32.20 | 27.69 | 24.66 | 22.06 | 22.53 | 14.94 | 13.67 | 11.95 | 9.29 | 11.58 | 11.07 | 6.79 | 6.08 | 5.48 | 5.04 | 6.27 | 3.17 | 2.80 | 2.58 | 2.18 | 2.52 |
| Tangible BV per Share | 37.50 | 37.74 | 40.66 | 38.47 | 35.04 | 38.95 | 35.10 | 31.74 | 29.13 | 24.57 | 21.51 | 18.82 | 18.54 | 14.81 | 13.52 | 11.77 | 9.10 | 11.31 | 10.87 | 6.79 | 6.08 | 5.48 | 5.04 | 6.27 | 3.17 | 2.80 | 2.58 | 2.18 | 2.52 |
| Common Stock | 302K | 300K | 298K | 296K | 310K | 316K | 315K | 331K | 342K | 340K | 338K | 331K | 296K | 253K | 226K | 197K | 197K | 195K | 127K | 97K | 95K | 72K | 54K | 54K | 29K | 29K | 21K | 0 | 0 |
| Additional Paid-in Capital | 383.05M | 391.2M | 384.93M | 374.89M | 412.3M | 434.64M | 427.02M | 482.29M | 528.38M | 520.3M | 513.53M | 503.53M | 394.93M | 242.99M | 180.59M | 132.67M | 130.38M | 129.21M | 76.82M | 52.29M | 50.28M | 48.59M | 47.01M | 46.41M | 16.54M | 16.52M | 16.48M | 16.5M | 16.5M |
| Retained Earnings | 852M | 838.94M | 982.3M | 1.06B | 1.02B | 930.06M | 798.06M | 705.11M | 584.49M | 431.54M | 331.31M | 233.6M | 150.04M | 96.39M | 106.15M | 71.42M | 48.55M | 33.02M | 24.87M | 28.2M | 22.8M | 16.92M | 11.37M | 6.28M | 3.07M | 399K | -1.35M | -2.4M | -1.6M |
| Accumulated OCI | -90.07M | -89.16M | -141.47M | -162.36M | -199.51M | -14.24M | 15.5M | 2.96M | -4.28M | -1.75M | -2.38M | 191K | 2.65M | -3.32M | 5.46M | 4.88M | 2.06M | 2.33M | 2.35M | 584K | -253K | -620K | 98K | 271K | 392K | 189K | 376.6K | -400K | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 71.9M | 56.6M | 56.6M | 56.6M | 22.58M | 22.61M | 36.31M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE asset quality deterioration
As reported in recent financial statements, Eagle Bancorp's total assets have declined from $11.7 billion in 2023Q4 to $10.0 billion by 2026Q1, signaling a deliberate and necessary contraction of the balance sheet as the institution navigates significant credit headwinds and a challenging regional economic environment.
The reduction in total assets appears to be a strategic response to the mounting credit pressures observed in the commercial real estate portfolio. This contraction suggests that management is prioritizing capital preservation over growth, likely to mitigate further erosion of the equity base.
Based on the reported figures, the equity-to-assets ratio has remained relatively stable at approximately 0.11, yet the absolute equity base has faced downward pressure, falling from $1.3 billion in 2023Q4 to $1.1 billion by 2026Q1, reflecting the impact of sustained net losses on capital.
While the leverage ratio appears superficially adequate, the erosion of the absolute equity base warrants close monitoring by investors. The bank's ability to absorb further credit losses without breaching internal capital targets may be limited if the current negative earnings trajectory persists.
According to the provided balance sheet data, cash and cash equivalents have fluctuated significantly, dropping from $718.9 million in 2023Q4 to a low of $12.6 million in 2026Q1, indicating a potential reliance on the securities portfolio to manage liquidity needs during periods of stress.
The rapid depletion of cash reserves suggests that the bank is utilizing its investment securities as a primary liquidity buffer. This strategy may limit future interest income potential and leaves the institution vulnerable to further market volatility if additional liquidity is required on short notice.
As indicated by the bank's financial disclosures, the investment securities portfolio remains the dominant asset class at $9.2 billion, which may expose the institution to significant duration risk and unrealized losses in a higher-for-longer interest rate environment, potentially impacting future book value.
The heavy concentration in investment securities relative to the total asset base suggests that the bank's earnings are highly sensitive to interest rate fluctuations. Investors should monitor whether these securities are held to maturity or available for sale, as this classification will dictate the impact of rate changes on the bank's capital position.
Quick answers to the most common questions about buying EGBN stock.
As of 2025, Eagle Bancorp, Inc. (EGBN) had total assets of $10.50B including $1.39B in current assets.
Eagle Bancorp, Inc. (EGBN) carries total debt of $111.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Eagle Bancorp, Inc. (EGBN) has total shareholders' equity (book value) of $1.14B ($37.74 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Eagle Bancorp, Inc. (EGBN) reported a current ratio of 293.43x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.