Eagle Bancorp, Inc.

Eagle Bancorp, Inc. reported a net loss of $138.1 million for fiscal year 2025, a significant deterioration from a net loss of $47.0 million in 2024. The primary driver was a substantial provision for credit losses of $293.1 million, which heavily impacted net interest income after provision, resulting in a loss of $24.8 million. Total interest income decreased to $604.5 million from $687.6 million in the prior year, while total interest expense also declined to $334.6 million from $398.9 million, leading to net interest income of $269.9 million. Noninterest income was $29.3 million, and noninterest expense totaled $200.7 million. The company's total assets were $10.50 billion, with loans held for investment at $7.28 billion and total deposits of $9.13 billion. The capital position remained strong with total shareholders' equity of $1.13 billion, despite the net loss. The outlook is cautious due to asset quality challenges and a reduced quarterly dividend.

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