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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 34742 · MD C · 53/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-LARGE · BOOK-FULL

  • GRADE-C C (53/100)
  • BOTTOM-DECILE #4066/4307
  • PHOTO-FINISH Simmesport State Bank · LA
  • TIER1-WELL 13.4% Tier 1
  • TEXAS-HEALTHY 15.1% Texas
  • ROA-LOSS -1.20% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Simmesport State Bank, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around EagleBank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100EagleBank · MD · this bank53/100First Guaranty Bank · LA · n…53/100Grand Rapids State B… · MN ·…53/100Pathfinder Bank · NY · near53/100Simmesport State Bank · LA ·…53/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around EagleBank · July 2026

Call Report read for EagleBank in a high-failure state

EagleBank (FDIC Cert #34742) carries a PlainBankData health grade of C at 53/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,066 of 4,307. Tier 1 capital prints at 13.35%, clearing the 10% well-capitalized line. The Texas Ratio is 15.08%, inside the sub-50% band analysts treat as healthy. Return on assets is -1.20%. Balance-sheet scale is $10.4B, 151st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Simmesport State Bank (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around EagleBank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

EagleBank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about EagleBank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

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.

0/100100/100National avg77/10053/100
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 Assets

$10.4B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.95% 13.35% 14.75%
Basel III capital ratios - EagleBank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

53 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. EagleBank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at EagleBank

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

What these ratios mean →

Profitability metrics: EagleBank

Return on Assets (ROA)
2nd percentile nationally
-1.20%
Return on Equity (ROE)
-10.84%
Efficiency Ratio
63.82%

What these mean →

Income & expense: loss period at EagleBank

$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.

FDIC Failed Bank List → View EagleBank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to EagleBank nationally by total assets
  1. 1
    Charles Schwab Trust Bank $10.4B

    Westlake, TX · Grade A

  2. 2
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  3. 3
    Bank Hapoalim B.M. $10.2B

    New York, NY · Grade F

  4. 4
    Stellar Bank $10.8B

    Houston, TX · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

  6. 6
    S&T Bank $9.9B

    Indiana, PA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($10.4B here), outside Maryland so the neighborhood is not state containment.

Charles Schwab Trust Bank $10.4B · TX Washington Trust Bank $10.7B · WA Bank Hapoalim B.M. $10.2B · NY Stellar Bank $10.8B · TX

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.

EagleBank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
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%