ADDED
See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act.
As of February 9, 2026, the number of outstanding shares of the Common Stock, $0.01 par value, of Eagle Bancorp, Inc.
Management s Discussion and Analysis of Financial Condition and Results of Operation 37 General 38 Critical Accounting Policies and Estimates 39 Select Financial Data 41 Use of Non-GAAP Financial Measures 42 Results of Operations 43 Balance Sheet Analysis 49 Commitments and Contractual Obligations 66 Liquidity Management 68 Capital Resources and Adequacy 69 Impact of Inflation and Changing Prices 71 New Authoritative Accounting Guidance 71 Item 7A.
Changes in and Disagreements with Accountants on Accounting and Financial Disclosures 139 Item 9A.
BUSINESS In this report, unless otherwise expressly stated or the context otherwise requires, the terms "we," "us," the "Company," "Eagle" and "our" refer to Eagle Bancorp, Inc.
References to "EagleBank" or "Bank" refer to EagleBank, which is our principal operating subsidiary.
The Bank also offers online banking, mobile banking and a remote deposit service, which allows clients to facilitate and expedite deposit transactions through the use of electronic devices.
As of December 31, 2024, the Company had exited this business.
As of December 31, 2025, owner occupied commercial real estate and construction commercial and industrial ("C I") (owner occupied) represented approximately 23% of the loan portfolio while non-owner occupied commercial real estate and real estate construction represented approximately 57% of the loan portfolio.
The Bank typically requires a maximum loan-to-value ("LTV") ratio of 80% and a minimum debt service coverage ratio ("DSCR") of 1.15 to 1.0.
REMOVED
See the definitions of large accelerated filer, accelerated filer, smaller reporting company and emerging growth company in Rule 12b-2 of the Exchange Act.
As of February 10, 2025, the number of outstanding shares of the Common Stock, $0.01 par value, of Eagle Bancorp, Inc.
Management s Discussion and Analysis of Financial Condition and Results of Operation 37 Item 7A.
Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 137 Item 9A.
Exhibits and Financial Statement Schedules 140 SIGNATURES 143 3 Table o f Contents PART I ITEM 1.
BUSINESS In this report, unless otherwise expressly stated or the context otherwise requires, the terms we, us, the Company, Eagle and our refer to Eagle Bancorp, Inc.
References to EagleBank or Bank refer to EagleBank, which is our principal operating subsidiary.
During the year ended December 31, 2023, the Company ceased originating residential real estate mortgage loans and completed residual origination and sales activities on its residential real estate mortgage lending business.
The Company made the decision to cease originating residential real estate mortgage loans given the challenged nature of the business and the uncertainty of maintaining or increasing the volume or percentage of revenue or net income that has previously been produced by the residential mortgage business.
The Bank also offers online banking, mobile banking and a remote deposit service, which allows clients to facilitate and expedite deposit transactions through the use of 4 Table o f Contents electronic devices.