Total Assets
$10.4B
Total balance-sheet footings
FDIC Cert #34742 · Bethesda, Maryland · Est. 1998
EagleBank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $10.4B
- Total assets
- C
- Health grade · Fair
- -1.20%
- Return on assets
- 13.4%
- Tier 1 capital
Data updated July 2026
The verdict
EagleBank earns a PlainBankData health grade of C (53/100), with well-capitalized at 13.35% Tier 1, -1.20% ROA, 64% efficiency ratio.
- #151
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 13.35%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How EagleBank's 53/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
EagleBank's composite health score
Tier 1 Capital Ratio (13.35%) 35/40
Return on Assets (ROA) (-1.20%) 0/25
Texas Ratio (15.08%) 10/20
Efficiency Ratio (63.82%) 8/15
53 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$9.1B
Customer-funded liabilities
Net Loans
$7.2B
Outstanding loan book
Net Income
$-129,486K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where EagleBank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. EagleBank's score of 53/100 falls in the highlighted band.
EagleBank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). EagleBank's $10.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.35%
Texas Ratio
15.08%
Equity Capital
$1.1B
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.20%
Return on Equity (ROE)
-10.84%
Efficiency Ratio
63.82%
What the numbers say about EagleBank
EagleBank is an FDIC-insured institution (Certificate #34742) headquartered in Bethesda, Maryland, established in 1998. It holds $10.4B in total assets - 151st of 4,313 FDIC-insured banks, $9.1B in customer deposits, and $7.2B in net loans. Its capital position: a Tier 1 ratio of 13.35%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 15.08% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (53 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, EagleBank sits in the top decile of all FDIC-insured institutions by asset size (151st of 4,313), and within Maryland it ranks 1st of 28 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Forbright Bank, at $7.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$603M
Interest Income
$34M
Non-Interest Income
$198M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. EagleBank reports a Texas Ratio of 15.08% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at EagleBank
EagleBank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-129,486K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at EagleBank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Maryland by total assets
National size peers: banks closest to EagleBank by assets
Measured strictly by total assets rather than geography, EagleBank's closest national peers include Charles Schwab Trust Bank, Washington Trust Bank, Bank Hapoalim B.M., Stellar Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Maryland. Averaged across this asset-matched cohort, return on assets runs 0.97% (EagleBank is below that at -1.20%), the efficiency ratio averages 47.19% (EagleBank runs higher at 63.82%), and Tier 1 capital averages 23.16% (EagleBank holds less at 13.35%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $10.4B in assets, EagleBank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| EagleBank (this bank) | MD | $10.4B | -1.20% | 63.82% | 13.35% |
| Charles Schwab Trust Bank | TX | $10.4B | 1.97% | 27.05% | 85.96% |
| Washington Trust Bank | WA | $10.7B | 0.89% | 71.60% | 11.68% |
| Bank Hapoalim B.M. | NY | $10.2B | 0.00% | 0.00% | 0.00% |
| Stellar Bank | TX | $10.8B | 1.07% | 59.50% | 13.83% |
| Columbia Bank | NJ | $11.0B | 0.48% | 69.77% | 13.20% |
| S&T Bank | PA | $9.9B | 1.43% | 55.21% | 14.30% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) EagleBank (FDIC Cert #34742) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Forbright BankPotomac | $7.9B | B | 1.35% |
| Shore United Bank, National AssociationEaston | $6.3B | B | 1.08% |
| CFG BankLutherville | $5.7B | B | 1.43% |
| Capital Bank, National AssociationRockville | $3.5B | B | 1.51% |
| First United Bank & TrustOakland | $2.1B | A | 1.27% |
| Rosedale BankNottingham | $1.3B | B | 0.18% |
| Middletown Valley BankMiddletown | $1.1B | B | 0.90% |
| Presidential Bank, FSBBethesda | $1.1B | C | 0.44% |
Frequently asked questions
What is EagleBank's health grade?▼
EagleBank receives a health grade of C (53/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is EagleBank?▼
EagleBank holds $10.4B in total assets and $9.1B in deposits, ranking 151st of 4,313 FDIC-insured banks by asset size. It is headquartered in Bethesda, Maryland.
Is my money safe at EagleBank?▼
Yes, deposits at EagleBank (Certificate #34742) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is EagleBank's Tier 1 Capital Ratio?▼
EagleBank has a Tier 1 Capital Ratio of 13.35%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for EagleBank?▼
EagleBank has a Texas Ratio of 15.08%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is EagleBank?▼
EagleBank has an Efficiency Ratio of 63.82%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read EagleBank's profile as a depositor or analyst.
- EagleBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare EagleBank against other Maryland banks before moving funds. Maryland banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.