伊格尔合众银行 2026年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the Quarterly Period Ended June30, 2026OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________ to _________ Eagle Bancorp, Inc.(Exact name of registrant as specified in its charter) (301) 986-1800(Registrant's telephone number, including area code)(Former name, former address and former fiscal year, if changed since last report) Securities Registered Pursuant to Section 12(b) of the Act: Name of Each Exchange on WhichRegistered The Nasdaq Stock Market LLC Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of the SecuritiesExchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant was required to file such reports),and (2)has been subject to such filing requirements for the past 90days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuantto Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12months (or for such shorter period that the registrantwas required to submit such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reportingcompany" and "emerging growth company" in Rule12b-2 of the Exchange Act. Large accelerated filer☐Accelerated filer☒Non-accelerated filer☐Smaller Reporting Company☐Emerging Growth Company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act). Yes☐No☒ As of August1, 2026, the registrant had 30,483,973 shares of common stock outstanding. TABLE OF CONTENTS PagePART I.FINANCIAL INFORMATIONItem 1.Financial Statements3Consolidated Balance Sheets as of June30, 2026 (unaudited) and December31, 20253Consolidated Statements of Operations for the Three and Six MonthsEnded June30, 2026 and2025 (unaudited)4Consolidated Statements of Comprehensive Income (Loss) for the Three and Six MonthsEnded June30, 2026 and 2025 (unaudited)5Consolidated Statements of Changes in Shareholders' Equity for the Three and Six MonthsEnded June30, 2026 and 2025 (unaudited)7Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2026 and 2025(unaudited)8Notes to Consolidated Financial Statements9Note1– Summary of Significant Accounting Policies9Note2– Cash and Due from Banks16Note3– Investment Securities16Note4– Loans and Allowance for Credit Losses20Note 5– Leases30Note6– Derivatives and Hedging Activities31Note7– Deposits36Note8– Borrowings37Note9– Net Income (Loss) per Common Share38Note10– Other Comprehensive Income (Loss)39Note11– Fair Value Measurements41Note12– Segment Reporting46Note 13 – Legal Contingencies46Note 14 – Subsequent Events46Item 2.Management's Discussion and Analysis of Financial Condition and Results of Operations47General47Critical Accounting Policies and Estimates48Results of Operations49Balance Sheet Analysis57Commitments and Contractual Obligations68Liquidity Management68Capital Resources and Adequacy70Asset/Liability Management and Quantitative and Qualitative Disclosures about Market Risk71Use of Non-GAAP Financial Measures75Item 3.Quantitative and Qualitative Disclosures about Market Risk75Item 4.Controls and Procedures75PART II.OTHER INFORMATIONItem 1.Legal Proceedings76Item 1A.Risk Factors76Item 2.Unregistered Sales of Equity Securities and Use of Proceeds76Item 3.Defaults Upon Senior Securities76Item 4.Mine Safety Disclosures76Item 5.Other Information76Item 6.Exhibits77SIGNATURES78Eagle Bancorp, Inc Second Quarter 2026 Form 10-Q PARTI- FINANCIAL INFORMATIONITEM 1. FINANCIAL STATEMENTS EAGLE BANCORP, INC.Consolidated Balance Sheets(dollars in thousands, except share and per share data) See Notes to Consolidated Financial Statements. EAGLE BANCORP, INC.Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)Six Months Ended June 30, 2026 and 2025(dollars in thousands, except share data) EAGLE BANCORP, INC.Consolidated Statements of Cash Flows (Unaudited)(dollars in thousands) EAGLE BANCORP, INC.NOTES TO CONSOLIDATED FINANCIAL STATEMENTS(Unaudited) Note1– Summary of Significant Accounting Policies Nature of Operations Eagle Bancorp,Inc. (the "Parent") and its subsidiaries (together with the Parent, the "Company"), through EagleBank (the"Bank"), conduct a full service community banking business, primarily in Northern Virginia, Sub