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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 10-Q

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the Quarterly Period Ended September 30, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _________ to _________

Commission File Number 0-25923

Eagle Bancorp, Inc.

(Exact name of registrant as specified in its charter)


Maryland						52-2061461
(State or other jurisdiction of incorporation or organization)						(I.R.S. Employer Identification No.)

7500 Old Georgetown Road, 15th Floor, Bethesda, Maryland						20814
(Address of principal executive offices)						(Zip Code)

(301) 986-1800

(Registrant's telephone number, including area code)

(Former name: N/A, former address: 7830 Old Georgetown Road, Third Floor, Bethesda, Maryland 20814 and former fiscal year: N/A, if changed since last report)

Securities Registered Pursuant to Section 12(b) of the Act:

Title of Each Class

Trading Symbol(s)

Name of Each Exchange on Which Registered

Common Stock, $0.01 par value

EGBN

The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (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 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was 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 reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-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 for complying 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 Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

As of October 31, 2025, the registrant had 30,371,236 shares of common stock outstanding.

TABLE OF CONTENTS


		Page
PART I.	FINANCIAL INFORMATION
Item 1.	Financial Statements	3
	Consolidated Balance Sheets as of September 30, 2025 and December 31, 2024 (unaudited)	3
	Consolidated Statements of Operations for the Three and Nine Months Ended September 30, 2025 and 2024 (unaudited)	4
	Consolidated Statements of Comprehensive Income (Loss) for the Three and Nine Months Ended September 30, 2025 and 2024 (unaudited)	5
	Consolidated Statements of Changes in Shareholders' Equity for the Three and Nine Months Ended September 30, 2025 and 2024 (unaudited)	7
	Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2025 and 2024 (unaudited)	8
	Notes to Consolidated Financial Statements	9
	Note 1 – Summary of Significant Accounting Policies	9
	Note 2 – Cash and Due from Banks	15
	Note 3 – Investment Securities	16
	Note 4 – Loans and Allowance for Credit Losses	20
	Note 5 – Leases	31
	Note 6 – Derivatives and Hedging Activities	32
	Note 7 – Deposits	34
	Note 8 – Borrowings	35
	Note 9 – Net Income (Loss) per Common Share	36
	Note 10 – Other Comprehensive Income (Loss)	37
	Note 11 – Fair Value Measurements	39
	Note 12 – Segment Reporting	44
	Note 13 – Legal Contingencies	44

Item 2.	Management's Discussion and Analysis of Financial Condition and Results of Operations	45
	General	45
	Critical Accounting Policies and Estimates	46
	Results of Operations	47
	Balance Sheet Analysis	55
	Commitments and Contractual Obligations	67
	Liquidity Management	68
	Capital Resources and Adequacy	69
	Asset/Liability Management and Quantitative and Qualitative Disclosures about Market Risk	71
	Use of Non-GAAP Financial Measures	74

Item 3.	Quantitative and Qualitative Disclosures about Market Risk	75
Item 4.	Controls and Procedures	75

PART II.	OTHER INFORMATION
Item 1.	Legal Proceedings	76
Item 1A.	Risk Factors	76
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	76
Item 3.	Defaults Upon Senior Securities	76
Item 4.	Mine Safety Disclosures	76
Item 5.	Other Information	76
Item 6.	Exhibits	77

	S IGNATURES	78


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						2


Table of Contents

PART I - FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

EAGLE BANCORP, INC.

Consolidated Balance Sheets (Unaudited)

(dollars in thousands, except share and per share data)


	As of
	September 30, 2025		December 31, 2024
Assets
Cash and due from banks	$	7,938	$	11,882
Federal funds sold	1,457		2,581
Interest-bearing deposits with banks and other short-term investments	841,372		619,017
Investment securities available-for-sale (amortized cost of $1,161,644 and $1,408,935, respectively, and allowance for credit losses of $0 and $22, respectively)	1,073,412		1,267,404
Investment securities held-to-maturity, net of allowance for credit losses of $1,199 and $1,306, respectively (fair value of $786,662 and $820,382, respectively)	872,418		938,647
Federal Reserve and Federal Home Loan Bank stock	28,306		51,763
Loans held for sale	136,506		—
Loans held for investment, at amortized cost	7,304,679		7,934,888
Less: Allowance for credit losses	(156,228)		(114,390)
Loans held for investment, net of allowance	7,148,451		7,820,498
Premises and equipment, net	10,503		7,694
Right-of-use assets - operating leases	29,791		18,494
Deferred income taxes	77,362		91,472
Bank-owned life insurance	330,426		115,806

Other real estate owned	14,684		2,743
Other assets	242,876		181,507
Total Assets	$	10,815,502	$	11,129,508

Liabilities and Shareholders’ Equity
Liabilities
Deposits:
Noninterest-bearing demand	$	1,577,197	$	1,544,403
Interest-bearing transaction	932,500		1,211,791
Savings and money market	3,702,579		3,599,221
Time deposits	3,251,283		2,775,663
Total deposits	9,463,559		9,131,078
Customer repurchase agreements	13,725		33,157
Other short-term borrowings	—		490,000
Long-term borrowings	76,346		76,108
Operating lease liabilities	36,278		23,815
Reserve for unfunded commitments	4,886		3,463
Other liabilities	97,232		145,826
Total Liabilities	9,692,026		9,903,447

Shareholders’ Equity
Common stock, par value 0.01 per share; shares authorized 100,000,000, shares issued and outstanding 30,366,555 and 30,202,003, respectively	300		298
Additional paid-in capital	389,305		384,932
Retained earnings	831,685		982,304
Accumulated other comprehensive income (loss)	(97,814)		(141,473)
Total Shareholders’ Equity	1,123,476		1,226,061
Total Liabilities and Shareholders’ Equity	$	10,815,502	$	11,129,508

See Notes to Consolidated Financial Statements.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						3


Table of Contents

EAGLE BANCORP, INC.

Consolidated Statements of Operations (Unaudited)

(dollars in thousands, except per share data)


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
	2025		2024		2025		2024
Interest Income
Interest and fees on loans	$	123,704	$	139,836	$	375,063	$	415,446
Interest and dividends on investment securities	10,527		12,578		33,875		37,663
Interest on balances with other banks and short-term investments	15,850		21,296		45,945		65,726
Interest on federal funds sold	22		103		73		311
Total interest income	150,103		173,813		454,956		519,146
Interest Expense
Interest on deposits	79,385		81,190		235,508		237,419
Interest on customer repurchase agreements	202		332		712		977
Interest on other short-term borrowings	332		20,448		11,086		62,856
Interest on long-term borrowings	2,025		—		6,066		—
Total interest expense	81,944		101,970		253,372		301,252
Net Interest Income	68,159		71,843		201,584		217,894
Provision for (Reversal of) Credit Losses	113,215		10,094		277,629		54,228
Provision for (Reversal of) Credit Losses for Unfunded Commitments	(38)		(1,593)		1,424		(529)
Net Interest Income (Loss) After Provision for (Reversal of) Credit Losses	(45,018)		63,342		(77,469)		164,195

Noninterest Income
Service charges on deposits	1,773		1,747		5,287		5,099
Gain (loss) on sale of loans	(3,550)		20		(3,550)		57
Net gain (loss) on sale of investment securities	(1,982)		3		(3,832)		10
Increase in the cash surrender value of bank-owned life insurance	5,293		731		14,736		2,143
Other income	961		4,450		4,475		8,563
Total noninterest income	2,495		6,951		17,116		15,872
Noninterest Expense
Salaries and employee benefits	21,290		21,675		65,198		65,171
Premises and equipment expenses	2,944		2,794		9,166		8,747
Marketing and advertising	1,316		1,588		3,831		4,109
Data processing	3,950		3,435		12,221		10,223
Legal, accounting and professional fees	2,396		3,433		7,068		8,645
FDIC insurance	6,665		7,399		23,704		19,728
Goodwill impairment	—		—		—		104,168
Other expenses	3,336		3,290		9,630		9,311
Total noninterest expense	41,897		43,614		130,818		230,102
Income (Loss) Before Income Tax Expense	(84,420)		26,679		(191,171)		(50,035)
Income Tax Expense (Benefit)	(16,907)		4,864		(55,558)		12,290
Net Income (Loss)	$	(67,513)	$	21,815	$	(135,613)	$	(62,325)
Earnings (Loss) Per Common Share
Basic	$	(2.22)	$	0.72	$	(4.47)	$	(2.07)
Diluted	$	(2.22)	$	0.72	$	(4.47)	$	(2.07)

See Notes to Consolidated Financial Statements.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						4


Table of Contents

EAGLE BANCORP, INC.

Consolidated Statements of Comprehensive Income (Loss) (Unaudited)

(dollars in thousands)


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
	2025		2024		2025		2024
Net Income (Loss)	$	(67,513)	$	21,815	$	(135,613)	$	(62,325)

Other comprehensive income (loss), net of tax:
Unrealized gain (loss) on securities available-for-sale	7,839		35,338		37,482		33,901
Reclassification adjustment for net (gain) loss included in net income (loss)	1,586		(2)		2,717		(8)
Total unrealized gain (loss) on investment securities available-for-sale	9,425		35,336		40,199		33,893

Amortization of unrealized loss on securities transferred to held-to-maturity	1,212		1,355		3,672		4,062

Unrealized gain (loss) on derivatives	(86)		(25)		(212)		225


Other comprehensive income (loss)	10,551		36,666		43,659		38,180
Comprehensive Income (Loss)	$	(56,962)	$	58,481	$	(91,954)	$	(24,145)

See Notes to Consolidated Financial Statements.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						5


Table of Contents

EAGLE BANCORP, INC.

Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)

Three Months Ended September 30, 2025 and 2024

(dollars in thousands, except share data)


	Common			Additional Paid-in Capital		Retained Earnings		Accumulated Other Comprehensive Income (Loss)		Total Shareholders’ Equity
	Shares	Amount
Balance as of July 1, 2025	30,364,983	$	300	$	388,927	$	904,205	$	(108,365)	$	1,185,067

Net Income (Loss)	—	—		—		(67,513)		—		(67,513)
Other comprehensive income, net of tax	—	—		—		—		10,551		10,551
Stock-based compensation expense	—	—		1,430		—		—		1,430
Issuance of common stock under share-based compensation arrangements	(4,000)	—		(1,160)		—		—		(1,160)
Issuance of common stock related to employee stock purchase plan	5,572	—		108		—		—		108
Cash dividends declared ($0.01 per share)	—	—		—		(5,007)		—		(5,007)

Balance as of September 30, 2025	30,366,555	$	300	$	389,305	$	831,685	$	(97,814)	$	1,123,476

Balance as of July 1, 2024	30,180,482	$	297	$	380,142	$	949,863	$	(160,843)	$	1,169,459

Net Income (Loss)	—	—		—		21,815		—		21,815
Other comprehensive income, net of tax	—	—		—		—		36,666		36,666
Stock-based compensation expense	—	—		2,019		—		—		2,019
Issuance of common stock under share-based compensation arrangements	(13,843)	1		(1)		—		—		—
Issuance of common stock related to employee stock purchase plan	6,561	—		124		—		—		124
Cash dividends declared ($0.165 per share)	—	—		—		(4,659)		—		(4,659)

Balance as of September 30, 2024	30,173,200	$	298	$	382,284	$	967,019	$	(124,177)	$	1,225,424

See Notes to Consolidated Financial Statements.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						6


Table of Contents

EAGLE BANCORP, INC.

Consolidated Statements of Changes in Shareholders’ Equity (Unaudited)

Nine Months Ended September 30, 2025 and 2024

(dollars in thousands, except share data)


	Common			Additional Paid-in Capital		Retained Earnings		Accumulated Other Comprehensive Income (Loss)		Total Shareholders’ Equity
	Shares	Amount
Balance as of January 1, 2025	30,202,003	$	298	$	384,932	$	982,304	$	(141,473)	$	1,226,061

Net Income (Loss)	—	—		—		(135,613)		—		(135,613)
Other comprehensive income, net of tax	—	—		—		—		43,659		43,659
Stock-based compensation expense	—	—		5,227		—		—		5,227

Issuance of common stock under share-based compensation arrangements	149,718	2		(1,162)		—		—		(1,160)


Issuance of common stock related to employee stock purchase plan	14,834	—		308		—		—		308
Cash dividends declared ($0.34 per share)	—	—		—		(15,006)		—		(15,006)

Balance as of September 30, 2025	30,366,555	$	300	$	389,305	$	831,685	$	(97,814)	$	1,123,476

Balance as of January 1, 2024	29,925,612	$	296	$	374,888	$	1,061,456	$	(162,357)	$	1,274,283

Net Income (Loss)	—	—		—		(62,325)		—		(62,325)
Other comprehensive income, net of tax	—	—		—		—		38,180		38,180
Stock-based compensation expense	—	—		7,051		—		—		7,051

Issuance of common stock under share-based compensation arrangements	231,146	2		(2)		—		—		—
Issuance of common stock related to employee stock purchase plan	16,442	—		347				—		347
Cash dividends declared ($1.065 per share)	—	—		—		(32,112)		—		(32,112)

Balance as of September 30, 2024	30,173,200	$	298	$	382,284	$	967,019	$	(124,177)	$	1,225,424

See Notes to Consolidated Financial Statements.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						7


Table of Contents

EAGLE BANCORP, INC.

Consolidated Statements of Cash Flows (Unaudited)

(dollars in thousands)


	For the Nine Months Ended September 30,
	2025		2024
Cash Flows From Operating Activities:
Net Income (loss)	$	(135,613)	$	(62,325)
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	277,629		54,228
(Reversal of) provision for unfunded commitments	1,424		(529)
Goodwill impairment	—		104,168
Depreciation and amortization	2,311		2,162
Gains (loss) on sale of residential mortgage loans	—		(57)
Loss on mortgage servicing rights	—		(1,512)
Securities premium amortization (discount accretion), net	3,410		4,178

Net gain on sale of other real estate owned	(112)		—
Net increase in cash surrender value of bank owned life insurance	(14,736)		(2,143)
Net (gain) loss on sale of investment securities	3,832		(10)
Stock-based compensation expense	5,227		7,051

Decrease (increase) in other assets	(61,253)		5,943
Increase (decrease) in other liabilities	(47,708)		2,528
Net cash provided by operating activities	34,411		113,682
Cash Flows From Investing Activities:
Purchases of available-for-sale investment securities	(28,224)		—
Proceeds from maturities of available-for-sale securities	89,995		89,035
Proceeds from sale/call of available-for-sale securities	179,990		27,000

Proceeds from maturities of held-to-maturity securities	52,269		53,187
Proceeds from call of held-to-maturity securities	17,127		4,644
Purchases of Federal Reserve stock	(189)		(222)
Proceeds from (purchases of) Federal Home Loan Bank stock	23,647		(11,758)
Proceeds from sale of mortgage servicing rights	—		4,798
Net change in loans	226,683		(32,828)
Proceeds from sale of loans	18,500		—
(Purchase) redemption of bank owned life insurance	(200,000)		—
Proceeds from sale of other real estate owned	769		656
Purchase of premises and equipment	(4,882)		(183)
Net cash (used in) provided by investing activities	375,685		134,329
Cash Flows From Financing Activities:
Increase (decrease) in deposits	332,481		(267,189)
Increase (decrease) in customer repurchase agreements	(19,432)		1,453
Decrease in short-term borrowings	(490,000)		(130,000)
Net proceeds from long-term borrowings	—		75,812
Proceeds from exercise of equity compensation plans	(1,160)		—
Proceeds from employee stock purchase plan	308		347

Cash dividends paid	(15,006)		(40,634)
Net cash provided by (used in) financing activities	(192,809)		(360,211)
Net Increase (Decrease) in Cash and Cash Equivalents	217,287		(112,200)
Cash and Cash Equivalents at Beginning of Period	633,480		722,684
Cash and Cash Equivalents at End of Period	$	850,767	$	610,484

Supplemental Cash Flows Information:
Interest paid	$	262,961	$	309,165
Income taxes paid	1,460		5,980
Supplemental Non-Cash Disclosures:
Initial recognition of operating lease right-of-use assets	$	15,941	$	—

Transfer of loans held for investment to loans held for sale	158,916		5,000
Transfers from loans to other real estate owned	12,600		2,370

See Notes to Consolidated Financial Statements.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						8


Table of Contents						Notes to Consolidated Financial Statements \| Note 1 – Summary of Significant Accounting Policies

EAGLE BANCORP, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

Note 1 – 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, Suburban Maryland and Washington, D.C. The primary financial services offered by the Bank include real estate, commercial and consumer lending, as well as traditional deposit services. The Bank is also active in the origination of small business loans. The guaranteed portion of small business loans, guaranteed by the Small Business Administration ("SBA"), is typically sold to third party investors in a transaction apart from the loan’s origination.

The Bank offers its products and services through twelve banking offices, four lending centers and various digital capabilities, including PC and smartphone-enabled banking services. Landroval Municipal Finance, Inc., a subsidiary of the Bank, focuses on lending to municipalities by buying debt on the public market as well as direct purchase issuance.

Principles of Consolidation and Basis of Presentation

The Consolidated Financial Statements include the accounts of Eagle Bancorp, Inc. and its subsidiaries with all significant intercompany transactions eliminated. EagleBank, a Maryland chartered commercial bank, is the Parent's principal subsidiary.

The accounting and reporting policies of the Company conform to generally accepted accounting principles in the United States of America ("GAAP") and to general practices in the banking industry. The Consolidated Financial Statements and accompanying notes of the Company included herein are unaudited. The Consolidated Financial Statements reflect all adjustments, consisting of normal recurring adjustments, that in the opinion of management are necessary to present fairly the results for the periods presented. Certain information and note disclosures normally included in financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission ("SEC"). In addition to the accounting policies described below, the Company applies the accounting policies contained in "Note 1 – Summary of Significant Accounting Policies" to the Consolidated Financial Statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2024 ("2024 Form 10-K"). Certain reclassifications have been made to 2024 amounts previously reported to conform to the 2025 presentation. Reclassifications had no effect on net income (loss) or shareholders' equity. These statements should be read in conjunction with the audited Consolidated Financial Statements and related notes included in the Company's Annual Report on 2024 Form 10-K.

Use of Estimates

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts in the consolidated financial statements and accompanying notes. Actual results may differ from those estimates and such differences could be material to the consolidated financial statements. The allowance for credit losses ("ACL") is a material estimate that is particularly susceptible to significant variance in the near-term.

Investment Securities

The Company recognizes acquired securities on the trade date. Investment securities comprise debt securities, which are classified depending on the Company's intent and ability to hold the securities to maturity. Debt securities are classified as available-for-sale ("AFS") when management may have the intent to sell them prior to maturity. Debt securities are classified as held-to-maturity ("HTM") and carried at amortized cost when management has the positive intent and ability to hold them to maturity.

AFS securities are acquired as part of the Company’s asset/liability management strategy and may be sold in response to changes in interest rates, current market conditions, loan demand, changes in prepayment risk and other factors. AFS securities are carried at fair value, with unrealized gains or losses, other than impairment losses, being reported as accumulated other comprehensive income (loss), a separate component of shareholders’ equity,


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						9


Table of Contents						Notes to Consolidated Financial Statements \| Note 1 – Summary of Significant Accounting Policies

net of deferred income tax. Realized gains and losses, using the specific identification method, are included as a separate component of noninterest income in the Consolidated Statements of Operations.

Premiums and discounts on investment securities are amortized/accreted to the earlier of call or maturity based on expected lives, which are adjusted based on prepayment assumptions and call optionality.

Transfers of Investment Securities from Available-for-Sale to Held-to-Maturity

Transfers of debt securities into the HTM category from the AFS category are made at amortized cost, net of unrealized gain or loss reported in accumulated other comprehensive income (loss) at the date of transfer. The unrealized holding gain or loss at the date of transfer is retained in other comprehensive income (loss) and in the carrying value of the HTM securities. Such amounts are amortized over the remaining life of the security. There were no transfers during the periods presented.

The Company does not intend to sell the HTM investments, and it is more likely than not that the Company will not have to sell the securities before recovery of its amortized cost basis, which may be at maturity.

Loans

The Company classifies loans in its portfolio as either held for investment ("HFI"), when management has the intent and ability to hold the loans for the foreseeable future or until maturity or payoff, or held for sale ("HFS"). HFS loans are reported at the lower of cost or fair value on the Consolidated Balance Sheets. HFI loans are stated at the principal amount outstanding, net of unamortized deferred costs and fees. Interest income on loans is recognized at the contractual rate on the principal amounts outstanding. It is the Company’s policy to discontinue the accrual of interest when circumstances indicate that collection is doubtful. Loan origination fees, net of direct loan origination costs, and commitment fees are deferred and amortized on the interest method over the term of the loan.

Past due loans are placed on nonaccrual status when the contractual payment of principal or interest has become 90 days past due or there is a clear indication that the borrower's cash flow may not be sufficient to meet payments as they become due, even when the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is well secured. When a loan is placed on nonaccrual status, all previously accrued and unpaid interest is reversed through interest income. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.

Allowance for Credit Losses

The table below presents a breakdown of the current provision for credit losses included in our Consolidated Statements of Operations.


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
(dollars in thousands)	2025		2024		2025		2024
Provision for (reversal of) credit losses - loans	$	113,245	$	10,869	$	277,758	$	54,947
Provision for (reversal of) credit losses - HTM debt securities	(30)		(775)		(129)		(719)

Total Provision for credit losses	$	113,215	$	10,094	$	277,629	$	54,228

Allowance for Credit Losses - Loans

The ACL - Loans is an estimate of the expected credit losses in the HFI loans portfolio. The Company's ACL on its loan portfolio is deducted from the amortized cost basis of loans to present the net amount expected to be collected on the loans. Loans, or portions thereof, are charged off against the allowance when they are deemed uncollectible. Expected recoveries are recorded to the extent they do not exceed the aggregate of amounts previously charged-off and expected to be charged-off.

The ACL - Loans is measured on a collective pool basis when similar risk characteristics are present. Reserves on loans that do not share similar risk characteristics are evaluated on an individual basis. Nonaccrual loans are specifically reviewed for loss potential and when deemed appropriate are assigned a reserve based on an individual evaluation. The remainder of the portfolio, representing all loans not evaluated individually for impairment, is pooled into portfolio segments by call report codes and a loan-level probability of default ("PD") / Loss Given Default ("LGD") cash flow method is applied using an exposure at default ("EAD") model. These historical loss rates are


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then modified to incorporate our reasonable and supportable forecast of future losses at the portfolio segment level, as well as any necessary qualitative adjustments.

The Company uses regression analysis of historical internal and peer data provided by a third-party provider (as Company loss data is insufficient) to determine suitable credit loss drivers to utilize when modeling lifetime PD and LGD. This analysis also determines how expected PD will be impacted by different forecasted levels of the loss drivers. A similar process is employed to calculate a reserve assigned to off-balance sheet commitments, specifically unfunded loan commitments and letters of credit, and any needed reserve is recorded in reserve for unfunded commitments ("RUC") on the Consolidated Balance Sheets. For periods beyond which we are able to develop reasonable and supportable forecasts, we revert to the historical loss rate on a straight-line basis over a twelve-month period.

For each of the loan segments listed below, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speeds, PD rates and LGD rates. The modeling of expected prepayment speeds is based on historical internal data. EAD is based on each instrument's underlying amortization schedule in order to estimate the bank's expected credit loss exposure at the time of the borrower's potential default.

Portfolio segments are used to pool loans with similar risk characteristics and align with our methodology for measuring current expected credit losses ("CECL"). A summary of our primary portfolio segments is as follows:

Commercial. The commercial loan portfolio comprises lines of credit and term loans for working capital, equipment and other business assets across a variety of industries. These loans are used for general corporate purposes including financing working capital, internal growth and acquisitions; and are generally secured by accounts receivable, inventory, equipment and other assets of our clients’ businesses.

Income producing – commercial real estate. Income producing commercial real estate loans comprise permanent and bridge financing provided to professional real estate owners/managers of commercial and residential real estate projects and properties who generally have a demonstrated record of past success with similar properties. Collateral properties include apartment buildings, office buildings, hotels, mixed-use buildings, retail, data centers, warehouses, and shopping centers. The primary source of repayment on these loans is generally expected to come from lease or operation of the real property collateral. Income producing commercial real estate loans are impacted by fluctuations in collateral values, as well as rental demand and rates.

Owner occupied – commercial real estate. The owner occupied commercial real estate portfolio comprises permanent financing provided to operating companies and their related entities for the purchase or refinance of real property wherein their business operates. Collateral properties include industrial property, office buildings, religious facilities, mixed-use property, healthcare and educational facilities.

Real Estate Mortgage – Residential. Real estate mortgage residential loans comprise consumer mortgages for the purpose of purchasing or refinancing first lien real estate loans secured by primary-residence, second-home and rental residential real property.

Construction – commercial and residential. The construction commercial and residential loan portfolio comprises loans made to builders and developers of commercial and residential property, for renovation, new construction and development projects. Collateral properties include apartment buildings, mixed-use properties, residential condominiums, single unit and 1-4 unit residential properties and office buildings. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. Construction loans are impacted by fluctuations in collateral values and the ability of the borrower or ultimate purchaser to obtain permanent financing.

Construction – commercial and industrial ("C&I") (owner occupied). The construction C&I (owner occupied) portfolio comprises loans to operating companies and their related entities for new construction or renovation of the real or leased property in which they operate. Generally, these loans contain provisions for conversion to an owner occupied commercial real estate loan or to a commercial loan after completion of construction. Collateral properties include industrial, healthcare, religious facilities, restaurants and office buildings.

Home Equity. The home equity portfolio comprises consumer lines of credit and loans secured by subordinate liens on residential real property.

Other Consumer. The other consumer portfolio comprises consumer loans not secured by real property, including personal lines of credit and loans, overdraft lines and vehicle loans. This category also includes other loan items such as overdrawn deposit accounts as well as loans and loan payments in process.


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The ACL also includes a qualitative adjustment for inherent risks not reflected in the historical quantitative analysis associated with the reasonable and supportable forecast. Relevant factors include, but are not limited to, concentrations of credit risk, appraisal risk from volatility in the market, changes in underwriting standards, experience and depth of lending staff and trends in delinquencies. While our methodology in establishing the reserve for credit losses attributes portions of the ACL and RUC to the commercial and consumer portfolio segments, the entire ACL and RUC is available to absorb credit losses expected in the total loan portfolio and total amount of unfunded credit commitments, respectively. Our model may reflect assumptions by management that are not covered by the qualitative and environmental factors, and we reevaluate all of its factors quarterly.

The company uses four economic variables in its cash flow model: national unemployment, Commercial Real Estate ("CRE") Price Index, House Price Index and Gross Domestic Product ("GDP"), which are incorporated by utilizing a Loss Driver Analysis approach that factors in historical losses, including during the Great Recession, of regional peer banks and the Bank. The updated model incorporates a weighting of three economic scenarios; baseline, upside and downside. The scenarios cover the four economic forecast variables, with each segment of the portfolio linked to two of these variables, depending on the segment. The loss driver analysis is spread over a reasonable and supportable period of 18 months and reverts back to a historical loss rate over twelve months on a straight-line basis over the loan's remaining maturity. Management leverages economic projections from reputable and independent third parties to inform its loss driver forecasts over the forecast period.

We have several pass credit grades that are assigned to loans based on varying levels of risk, ranging from loans that are secured by cash or marketable securities, to watch list loans that have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Special mention loans are those that are currently protected by the sound worth and paying capacity of the borrower, but that are potentially weak and constitute an additional credit risk. These loans have the potential to deteriorate to a substandard grade due to the existence of financial or administrative deficiencies. Substandard loans have a well-defined weakness or weaknesses that jeopardizes the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Some substandard loans are inadequately protected by the sound worth and paying capacity of the borrower and of the collateral pledged and may be considered impaired. Substandard loans can be accruing or can be on nonaccrual depending on the circumstances of the individual loans. Loans graded as doubtful have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are accounted for on a nonaccrual basis. Classified loans is the aggregation of loans graded substandard and doubtful.

The methodology used in the estimation of the ACL, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Changes are reflected in the pool-basis allowance and individually assessed loans as the collectability of classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored. The review of the appropriateness of the allowance is performed by executive management and presented to management committees and the Audit Committee of the Board of Directors ("Board"). The committees' reports to the Board are part of the Board's review on a quarterly basis of our consolidated financial statements.

When management determines that foreclosure is probable, and for certain collateral-dependent loans where foreclosure is not considered probable, expected credit losses are based on the estimated fair value of the collateral adjusted for selling costs, when appropriate. A loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals and modifications unless management has a reasonable expectation that a borrower will experience financial difficulty. We do not measure an ACL on accrued interest receivable balances because these balances are written off in a timely manner as a reduction to interest income when loans are placed on nonaccrual status.

Collateral Dependent Financial Assets

For collateral dependent loans for which the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the financial asset to be provided substantially through the sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral and the amortized cost basis of the asset as of the measurement date. When repayment is expected to be from the operation of the collateral, expected credit losses are calculated as the amount by which the amortized cost basis of the financial asset exceeds the net present value ("NPV") from the operation of the collateral. When repayment is expected to be from the sale of the collateral, expected credit losses


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are calculated as the amount by which the amortized cost basis of the financial asset exceeds the fair value of the underlying collateral less estimated cost to sell. The ACL may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset.

Loan Modifications to Borrowers in Financial Difficulty

The Company evaluates loan restructurings to determine if we have a loan modification and whether it results in a new loan or the continuation of the existing loan. Loan modifications to borrowers experiencing financial difficulty that result in a direct change in the timing or amount of contractual cash flows include situations where there are principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions, and combinations of the listed modifications.

A loan that is considered a modified loan may be subject to an individually-evaluated loan analysis if the commitment is $500 thousand or greater; otherwise, the restructured loan remains in the appropriate segment in the ACL model and associated provisions are adjusted based on changes in the discounted cash flows resulting from the modification of the restructured loan. Management strives to identify borrowers in financial difficulty early and work with them to modify their loan to more affordable terms before their loan reaches nonaccrual status, foreclosure or repossession of the collateral to minimize economic loss to the Company.

Allowance for Credit Losses - AFS Securities

For AFS debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either criteria is met, the security’s amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security is compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an ACL is recognized in other comprehensive income, as a non-credit-related impairment.

The entire amount of an impairment loss is recognized in earnings (loss) only when: (1) the Company intends to sell the security; or (2) it is more likely than not that the Company will have to sell the security before recovery of its amortized cost basis; or (3) the Company does not expect to recover the entire amortized cost basis of the security. In all other situations, only the portion of the impairment loss representing the credit loss must be recognized in earnings (loss), with the remaining portion being recognized in other comprehensive income (loss), net of deferred taxes. Changes in the ACL are recorded as a provision for (or reversal of) credit losses. Losses are charged against the allowance when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met.

We have made a policy election to exclude accrued interest from the amortized cost basis of AFS debt securities and report accrued interest separately in accrued interest and other assets in the Consolidated Balance Sheets. AFS debt securities are placed on nonaccrual status when we no longer expect to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on nonaccrual status. Accordingly, we do not recognize an allowance for credit loss against accrued interest receivable.

Allowance for Credit Losses - HTM Securities

The Company separately evaluates its HTM investment securities for any credit losses. The Company pools like securities and calculates expected credit losses through an estimate based on a security's credit rating, which is recognized as part of the ACL for HTM securities and included in the balance of HTM securities on the Consolidated Balance Sheets. If the Company determines that a security indicates evidence of deteriorated credit quality, the security is individually evaluated and a discounted cash flow analysis may be performed and compared to the amortized cost basis.


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Loan Commitments and Allowance for Credit Losses on Off-Balance Sheet Credit Exposures

Financial instruments include off-balance sheet credit instruments such as commitments to make loans and commercial letters of credit issued to meet customer financing needs. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded.

The Company records a RUC on off-balance sheet credit exposures through a charge to provision for credit loss expense in the Company's Consolidated Statements of Operations. The RUC on off-balance sheet credit exposures is estimated by loan segment at each balance sheet date under the current expected credit loss model using the same methodologies as portfolio loans, taking into consideration the likelihood that funding will occur and is included in the RUC on the Company’s Consolidated Balance Sheets.

Segment Reporting

The Company has one reporting unit, one operating segment and, consequently, a single reportable segment. Refer to "Note 12 – Segment Reporting" for further details.

New Authoritative Accounting Guidance

Accounting Standards Pending Adoption

ASU No. 2023-06, "Disclosure Improvements: Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative" ("ASU 2023-06") incorporates into the Accounting Standards Codification (ASC or Codification) several U.S. Securities and Exchange Commission ("SEC") disclosure requirements under Regulations S-K and S-X. The amendments in the ASU are intended to clarify or improve disclosure and presentation requirements of a variety of Codification Topics, allow users to more easily compare entities subject to the SEC’s existing disclosures with those entities that were not previously subject to the requirements, and align the requirements in the Codification with the SEC’s regulations. These requirements are similar to, but require additional information than, generally accepted accounting principles. These new updates modify the disclosure or presentation requirements of a variety of Topics in the Codification. Entities should apply the amendments in ASU 2023-06 prospectively. For entities subject to the SEC’s existing disclosure requirements and for entities that have to file or provide financial statements with or to the SEC for the purpose of selling or issuing securities that do not have contractual limits on transfer, the effective date for each amendment will be the date on which the SEC removes that related disclosure from its rules. As a result, the effective date will be different for each individual disclosure based on the effective date of the SEC’s deletion of the related disclosure. Early adoption is prohibited. For all other entities, the effective date will be two years later. Early adoption is permitted for these entities, but not before the provisions of the ASU become effective for entities subject to SEC’s regulation. The effective dates of the amendments are predicated on the SEC removing its related disclosure requirements from its regulations. However, if by June 30, 2027, the SEC has not removed the related disclosure from its regulations, the amendments will be removed from the Codification and not become effective for any entity. We are currently in the process of evaluating this guidance.

ASU No. 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures" ("ASU 2023-09"). The ASU requires additional income tax disclosures around effective tax rates and cash income taxes paid. ASU 2023-09 is effective for public business entities for annual periods beginning after December 15, 2024. The new disclosure requirements around effective tax rates and cash income taxes paid only applies to year-end. There is no material impact to the interim disclosures.

ASU No. 2024-03, "Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40); Disaggregation of Income Statement Expenses" ("ASU 2024-03") which requires disaggregated disclosure of income statement expenses for public business entities. The ASU does not change the expense captions an entity presents on the face of the income statement; rather, it requires disaggregation of certain expense captions into specified categories in disclosures within the footnotes to the financial statements at interim and annual reporting periods. ASU 2024-03 adds to ASC 220-40, requiring public business entities to disaggregate within the financial statement footnotes, in a tabular presentation, each relevant expense caption on the face of the income statement that includes any of the following natural expenses: (1) purchases of inventory, (2) employee compensation, (3) depreciation, (4) intangible asset amortization, and (5) depreciation, depletion, and amortization recognized as part of oil- and gas-producing activities or other types of depletion expenses. The tabular disclosure would also include certain other expenses, when applicable. ASU 2024-03 does not change or remove existing expense disclosure requirements; however, it may affect where that information appears in the footnotes to the


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financial statements. The amendments in this update are effective for annual reporting periods beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this update should be applied either (1) prospectively to financial statements issued for reporting periods after the effective date of this Update or (2) retrospectively to any or all prior periods presented in the financial statements. The company will expand its disclosures in the annual reporting period beginning after December 15, 2026 and interim reporting periods after to include disaggregated information related to the expenses required by the standard.

ASU No. 2025-06, "Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40)"; Targeted Improvements to the Accounting for Internal-Use Software ("ASU 2025-06") amends guidance related to the accounting for internal-use software development costs. The amendments are intended to modernize the recognition and capitalization framework to reflect current software development practices, including iterative and agile methodologies, by removing references to "development stages". It also clarifies the criteria for capitalization, which begins when both of the following occur: (1) management has authorized and committed to funding the software project and (2) it is probable that the project will be completed and the software will be used to perform the function intended. The amendments in ASU 2025-06 are effective for annual periods beginning after December 15, 2027, and interim periods within those annual periods, which for the Company would be the fiscal first quarter ending March 31, 2028. Early adoption is permitted as of the beginning of an annual reporting period. ASU 2025-06 allows companies to elect one of the following adoption methods to apply its amendments: a prospective transition approach, a retrospective transition approach, or a modified transition approach that is based on the status of the project and whether software costs were capitalized before the date of adoption. The Company is currently evaluating the impact the new accounting standard will have on its policy for capitalization of development costs for software intended for internal use.

ASU No. 2025-07, "Derivatives and Hedging (Topic 815)—Derivatives Scope Refinements (Issue 1)" ("ASU 2025-07"). In September 2025, the FASB issued ASU 2025-07 to refine the scope of derivative accounting under ASC 815 and clarify the treatment of share-based noncash consideration from customers under ASC 606. The update provides a new scope exception for certain contracts based on a party’s own operations, removing them from derivative accounting. It also clarifies that share-based consideration from customers should be measured at fair value at contract inception and included in the transaction price only if the right to receive it is unconditional. Subsequent fair value changes before the right becomes unconditional are not recognized in revenue. The ASU is effective for annual periods beginning after December 15, 2026, with early adoption permitted, and transition options include prospective or modified retrospective application. Entities will need to reassess existing contracts and update processes for valuation and revenue recognition related to customer share-based payments. The Company is currently in the process of evaluating this guidance.

Note 2 – Cash and Due from Banks

For the nine months ended September 30, 2025 and 2024, the Bank maintained average daily balances at the Federal Reserve Bank of Richmond ("Federal Reserve Bank") of $1.4 billion and $1.6 billion, respectively, on which interest is paid.

Additionally, the Bank maintains interest-bearing balances with the Federal Home Loan Bank of Atlanta ("FHLB") and noninterest-bearing balances with domestic correspondent banks to cover associated costs for services they provide to the Bank.


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Note 3 – Investment Securities

The table below summarizes the Company's investment in AFS securities by major security type.


	As of September 30, 2025
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Estimated Fair Value

U.S. agency securities	$	432,607	$	—	$	(20,394)	$	—	$	412,213
Residential mortgage-backed securities	644,193		108		(64,701)		—		579,600
Commercial mortgage-backed securities	74,372		129		(2,783)		—		71,718
Municipal bonds	8,472		—		(532)		—		7,940
Corporate bonds	2,000		—		(59)		—		1,941
Total available-for-sale securities	$	1,161,644	$	237	$	(88,469)	$	—	$	1,073,412

	As of December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Estimated Fair Value
U.S. treasury bonds	$	24,988	$	—	$	(212)	$	—	$	24,776
U.S. agency securities	600,277		—		(41,742)		$	—	558,535
Residential mortgage-backed securities	719,815		36		(94,535)		—		625,316
Commercial mortgage-backed securities	53,248		—		(4,303)		—		48,945
Municipal bonds	8,607		—		(593)		—		8,014
Corporate bonds	2,000		—		(160)		(22)		1,818
Total available-for-sale securities	$	1,408,935	$	36	$	(141,545)	$	(22)	$	1,267,404


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Table of Contents						Notes to Consolidated Financial Statements \| Note 3 – Investment Securities

The table below summarizes the Company's investment in HTM securities by major security type.


	As of September 30, 2025
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value


Residential mortgage-backed securities	$	558,842	$	—	$	(62,442)	$	496,400
Commercial mortgage-backed securities	86,359		—		(10,414)		75,945
Municipal bonds	106,936		—		(8,109)		98,827
Corporate bonds	121,480		25		(6,015)		115,490
Total	873,617		$	25	$	(86,980)	$	786,662
Less: Allowance for credit losses	(1,199)
Total held-to-maturity securities, net of ACL	$	872,418

	As of December 31, 2024
(dollars in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value


Residential mortgage-backed securities	$	605,904	$	—	$	(85,941)	$	519,963
Commercial mortgage-backed securities	88,575		—		(13,069)		75,506
Municipal bonds	114,060		—		(11,389)		102,671
Corporate bonds	131,414		—		(9,172)		122,242
Total	939,953		$	—	$	(119,571)	$	820,382
Less: Allowance for credit losses	(1,306)
Total held-to-maturity securities, net of ACL	$	938,647

In addition, as of September 30, 2025 and December 31, 2024, the Company held $28.3 million and $51.8 million in non-marketable equity securities, respectively, in a combination of Federal Reserve System ("Federal Reserve Board", "Federal Reserve" or "FRB") and FHLB stocks, which are required to be held for regulatory purposes. These securities cannot be disposed of other than through redemption by the issuer and, if redeemed, would be redeemed at the original cost. The securities are carried at cost, classified as restricted securities, and periodically evaluated for impairment based on ultimate recovery of par value.

As of September 30, 2025 and December 31, 2024, the Company had $40.0 million and $44.8 million, respectively, of unamortized unrealized losses outstanding following the transfer of investment securities from AFS to HTM in 2022. These unrealized losses are included in accumulated other comprehensive loss and are amortized through interest income as a yield adjustment over the remaining term of the securities.

Accrued interest receivable on investment securities totaled $5.9 million and $6.6 million as of September 30, 2025 and December 31, 2024, respectively. The accrued interest on investment securities is excluded from the amortized cost of the securities and is reported in other assets in the Consolidated Balance Sheets.


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The table below summarizes, by length of time, the Company's AFS securities that have been in a continuous unrealized loss position and HTM securities that have been in a continuous unrecognized loss position.


	As of September 30, 2025
		Less than 12 Months				12 Months or Greater				Total
(dollars in thousands)	Number of Securities	Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses
Investment securities available-for-sale:

U.S. agency securities	58	$	—	$	—	$	412,213	$	(20,394)	$	412,213	$	(20,394)
Residential mortgage-backed securities	142	—		—		569,707		(64,701)		569,707		(64,701)
Commercial mortgage-backed securities	12	—		—		43,430		(2,783)		43,430		(2,783)
Municipal bonds	1	—		—		7,940		(532)		7,940		(532)
Corporate bonds	1	—		—		1,941		(59)		1,941		(59)
Total	214	$	—	$	—	$	1,035,231	$	(88,469)	$	1,035,231	$	(88,469)

Investment securities held-to-maturity:


Residential mortgage-backed securities	136	$	—	$	—	$	496,400	$	(62,442)	$	496,400	$	(62,442)
Commercial mortgage-backed securities	16	4,266		(520)		71,679		(9,894)		75,945		(10,414)
Municipal bonds	33	—		—		97,827		(8,109)		97,827		(8,109)
Corporate bonds	27	1,950		(54)		105,718		(5,961)		107,668		(6,015)
Total	212	$	6,216	$	(574)	$	771,624	$	(86,406)	$	777,840	$	(86,980)


	As of December 31, 2024
		Less than 12 Months				12 Months or Greater				Total
(dollars in thousands)	Number of Securities	Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses		Estimated Fair Value		Unrealized Losses
Investment securities available-for-sale:
U.S. treasury bonds	1	$	—	$	—	$	24,776	$	(212)	$	24,776	$	(212)
U.S. agency securities	71	2,300		(8)		556,235		(41,734)		558,535		(41,742)
Residential mortgage-backed securities	148	7,530		(128)		616,392		(94,407)		623,922		(94,535)
Commercial mortgage-backed securities	13	—		—		48,945		(4,303)		48,945		(4,303)
Municipal bonds	1	—		—		8,014		(593)		8,014		(593)
Corporate bonds	1	—		—		1,818		(160)		1,818		(160)
Total	235	$	9,830	$	(136)	$	1,256,180	$	(141,409)	$	1,266,010	$	(141,545)

Investment securities held-to-maturity:


Residential mortgage-backed securities	140	$	—	$	—	$	519,963	$	(85,941)	$	519,963	$	(85,941)
Commercial mortgage-backed securities	16	—		—		75,506		(13,069)		75,506		(13,069)
Municipal bonds	36	4,026		(75)		98,645		(11,314)		102,671		(11,389)
Corporate bonds	30	1,928		(77)		110,280		(9,095)		112,208		(9,172)
Total	222	$	5,954	$	(152)	$	804,394	$	(119,419)	$	810,348	$	(119,571)


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Table of Contents						Notes to Consolidated Financial Statements \| Note 3 – Investment Securities

As of September 30, 2025, unrealized losses were generally attributable to changes in market interest rates and interest spread relationships subsequent to the dates the securities were originally purchased, and were considered to be temporary, and not due to credit quality concerns on the investment securities. The fair values of these securities are expected to recover as the securities approach their respective maturity dates.

The Company measures its AFS and HTM securities portfolios for current expected credit losses as part of its ACL analysis. For further information on provision for credit losses on AFS and HTM securities, see the Allowance for Credit Losses discussion in "Note 1 – Summary of Significant Accounting Policies". As of September 30, 2025 and December 31, 2024, the Company had an allowance for credit losses outstanding of zero and $22 thousand, respectively, on its AFS securities and $1.2 million and $1.3 million, respectively, on its HTM securities, each of which primarily comprise allowances for corporate bonds.

The table below summarizes the Company's investment in AFS securities and HTM securities by contractual maturity. Expected maturities for mortgage-backed securities ("MBS") will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.


	As of September 30, 2025
(dollars in thousands)	Amortized Cost		Estimated Fair Value
Investment securities available-for-sale:
Within one year	$	122,508	$	121,617
One to five years	237,049		224,915
Five to ten years	64,715		59,124
Beyond ten years	18,807		16,438
Residential mortgage-backed securities	644,193		579,600
Commercial mortgage-backed securities	74,372		71,718


Less: allowance for credit losses	—		—
Total investment securities available-for-sale	1,161,644		1,073,412

Investment securities held-to-maturity:
Within one year	—		—
One to five years	77,630		75,376
Five to ten years	99,613		92,629
Beyond ten years	51,173		46,312
Residential mortgage-backed securities:	558,842		496,400
Commercial mortgage-backed securities	86,359		75,945


Less: allowance for credit losses	(1,199)		—
Total investment securities held-to-maturity	872,418		786,662
Total	$	2,034,062	$	1,860,074

The table below displays information about the sales and calls of our investment securities.


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
(dollars in thousands)	2025		2024		2025		2024
Proceeds from sales and calls	$	84,157	$	4,542	$	197,117	$	31,644
Gross realized gains from sales and calls	3		3		12		10
Gross realized losses from sales and calls	1,985		—		3,844		—

As of September 30, 2025 and December 31, 2024, the book value of securities pledged as collateral for certain government deposits, securities sold under agreements to repurchase and certain lines of credit with correspondent banks was $597.0 million and $369.1 million, respectively, which were well in excess of required amounts in order to operationally provide significant reserve amounts for new business.

As of September 30, 2025 and December 31, 2024, there were no holdings of securities of any one issuer, other than the U.S. Government and U.S. agency securities, which exceeded ten percent of shareholders’ equity.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						19


Table of Contents						Notes to Consolidated Financial Statements \| Note 4 – Loans and Allowance for Credit Losses

Note 4 – Loans and Allowance for Credit Losses

The Bank makes loans to customers primarily in the Washington, D.C. metropolitan area and surrounding communities. A substantial portion of the Bank’s loan portfolio consists of loans to businesses secured by real estate and other business assets.

The table below presents HFI Loans, net of unamortized net deferred fees, summarized by portfolio segment.


	As of
	September 30, 2025				December 31, 2024
(dollars in thousands)	Amount		%		Amount		%
Commercial	$	1,217,805	17	%	$	1,183,341	15	%
PPP loans	103		—	%	287		—	%
Income producing - commercial real estate	3,453,033		47	%	4,064,846		51	%
Owner occupied - commercial real estate	1,494,711		20	%	1,269,669		16	%
Real estate mortgage - residential	44,684		1	%	50,535		1	%
Construction - commercial and residential	1,010,367		14	%	1,210,763		15	%
Construction - C&I (owner occupied)	33,378		—	%	103,259		1	%
Home equity	49,333		1	%	51,130		1	%
Other consumer	1,265		—	%	1,058		—	%
Total loans	7,304,679		100	%	7,934,888		100	%
Less: allowance for credit losses	(156,228)				(114,390)
Net loans (1)	$	7,148,451			$	7,820,498

(1)Excludes accrued interest receivable of $36.9 million and $42.9 million as of September 30, 2025 and December 31, 2024, respectively, which were recorded in other assets on the Consolidated Balance Sheets.

Unamortized net deferred fees and costs were $18.4 million and $18.8 million as of September 30, 2025 and December 31, 2024, respectively.

During the nine months ended September 30, 2025, certain loans, primarily income producing commercial real estate loans, were reclassified from HFI to HFS loans with the mark-to-market value of $136.5 million as reported on the Consolidated Balance Sheets, of which $121.3 million were on nonaccrual status.

As of September 30, 2025 and December 31, 2024, the Bank serviced $77.4 million and $63.7 million, respectively, of SBA loans and other loan participations, which are not reflected as loan balances on the Consolidated Balance Sheets. During the year ended December 31, 2024, the Company sold the remaining servicing rights to all FHA loans.

Real estate loans are secured primarily by duly recorded first deeds of trust or mortgages. In some cases, the Bank may accept a recorded junior trust position. In general, borrowers will have a proven ability to build, lease, manage and/or sell a commercial or residential project and demonstrate satisfactory financial condition. Additionally, an equity contribution toward the project is customarily required.

Construction loans require that the financial condition and experience of the general contractor and major subcontractors be satisfactory to the Bank. Guaranteed, fixed price contracts are required whenever appropriate, along with payment and performance bonds or completion bonds for larger scale projects.

Loans intended for residential land acquisition, lot development and construction are made on the premise that the land: 1) is or will be developed for building sites for residential structures; and 2) will ultimately be utilized for construction or improvement of residential zoned real properties, including the creation of housing. Residential development and construction loans will finance projects such as single family subdivisions, planned unit developments, townhouses and condominiums. Residential land acquisition, development and construction ("ADC") loans generally are underwritten with a maximum term of 36 months, including extensions approved at origination.

Commercial land acquisition and construction loans are secured by real property where loan funds will be used to acquire land and to construct or improve appropriately zoned real property for the creation of income producing or owner-occupied commercial properties. Borrowers are generally required to put equity into each project at levels determined by the appropriate approval authority. Commercial land acquisition and construction loans generally are underwritten with a maximum term of 24 months.

Substantially all construction draw requests must be presented in writing on American Institute of Architects


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						20


Table of Contents						Notes to Consolidated Financial Statements \| Note 4 – Loans and Allowance for Credit Losses

documents and certified either by the contractor, the borrower and/or the borrower’s architect. Each draw request shall also include the borrower’s soft cost breakdown certified by the borrower or their Chief Financial Officer. Prior to an advance, the Bank or its contractor inspects the project to determine that the work has been completed, to justify the draw requisition.

Commercial permanent loans are generally secured by improved real property which is generating income in the normal course of operation. Debt service coverage, assuming stabilized occupancy, must be satisfactory to support a permanent loan. The debt service coverage ratio ("DSCR") is ordinarily at least 1.15 to 1.0. As part of the underwriting process, DSCRs are stress tested assuming a 200 basis point increase in interest rates from their current levels. Commercial permanent loans generally are underwritten with a term not greater than 10 years or the remaining useful life of the property, whichever is less. The preferred term is between five to seven years, with amortization to a maximum of 25 years.

The Company’s loan portfolio includes ADC real estate loans including both investment and owner occupied projects. ADC loans amounted to $1.5 billion as of September 30, 2025. A portion of the ADC portfolio, both speculative and non-speculative, includes loan-funded interest reserves at origination. ADC loans that provide for the use of interest reserves represent approximately 54% of the outstanding ADC loan portfolio as of September 30, 2025. The decision to establish a loan-funded interest reserve is made upon origination of the ADC loan and is based upon a number of factors considered during underwriting of the credit including: (1) the feasibility of the project; (2) the experience of the sponsor; (3) the creditworthiness of the borrower and guarantors; (4) borrower equity contribution; and (5) the level of collateral protection. When appropriate, an interest reserve provides an effective means of addressing the cash flow characteristics of a properly underwritten ADC loan. The Company does not significantly utilize interest reserves in other loan products.

The Company recognizes that one of the risks inherent in the use of interest reserves is the potential masking of underlying problems with the project and/or the borrower’s ability to repay the loan. In order to mitigate this inherent risk, the Company employs a series of reporting and monitoring mechanisms on all ADC loans, whether or not an interest reserve is provided, including: (1) construction and development timelines which are monitored on an ongoing basis which track the progress of a given project to the timeline projected at origination; (2) a construction loan administration department independent of the lending function; (3) third party independent construction loan inspection reports; (4) monthly interest reserve monitoring reports detailing the balance of the interest reserves approved at origination and the days of interest carry represented by the reserve balances as compared to the then current anticipated time to completion and/or sale of speculative projects; and (5) quarterly commercial real estate construction meetings among senior Company management, which includes monitoring of current and projected real estate market conditions. If a project has not performed as expected, it is not the customary practice of the Company to increase loan funded interest reserves.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						21


Table of Contents						Notes to Consolidated Financial Statements \| Note 4 – Loans and Allowance for Credit Losses

The table below details activity in the ACL by portfolio segment. PPP loans are excluded from these tables since they do not carry an allowance for credit loss, as these loans are fully guaranteed as to principal and interest by the SBA, whose guarantee is backed by the full faith and credit of the U.S. Government. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.


(dollars in thousands)	Commercial		Income Producing - Commercial Real Estate		Owner Occupied - Commercial Real Estate		Real Estate Mortgage - Residential		Construction -Commercial and Residential		Construction - C&I (Owner Occupied)		Home Equity		Other Consumer		Total
For the Three Months Ended September 30, 2025
Allowance for credit losses:
Balance at beginning of quarter	$	16,171	$	135,211	$	14,634	$	382	$	13,756	$	3,101	$	510	$	32	$	183,797
Loans charged-off	(529)		(123,388)		(10,000)		—		(7,134)		—		—		—		(141,051)
Recoveries of loans previously charged-off	221		—		16		—		—		—		—		—		237
Net loans (charged-off) and recovered	(308)		(123,388)		(9,984)		—		(7,134)		—		—		—		(140,814)
Provision for (reversal of) credit losses	8,379		83,572		15,499		(25)		7,361		(1,540)		5		(6)		113,245
Ending balance	$	24,242	$	95,395	$	20,149	$	357	$	13,983	$	1,561	$	515	$	26	$	156,228

For the Three Months Ended September 30, 2024

Allowance for credit losses:
Balance at beginning of quarter	$	21,011	$	53,251	$	15,641	$	750	$	13,510	$	1,431	$	677	$	30	$	106,301
Loans charged-off	(1,563)		—		(3,800)		—		—		—		—		(17)		(5,380)
Recoveries of loans previously charged-off	53		—		24		—		—		—		—		—		77
Net loans (charged-off) and recovered	(1,510)		—		(3,776)		—		—		—		—		(17)		(5,303)
Provision for (reversal of) credit losses	802		61		8,206		(12)		1,907		(134)		23		16		10,869
Ending balance	$	20,303	$	53,312	$	20,071	$	738	$	15,417	$	1,297	$	700	$	29	$	111,867

For the Nine Months Ended September 30, 2025

Allowance for credit losses:
Balance at beginning of period	$	16,293	$	65,375	$	19,295	$	472	$	11,333	$	1,079	$	515	$	28	$	114,390
Loans charged-off	(1,497)		(197,582)		(19,797)		—		(17,837)		—		—		(35)		(236,748)
Recoveries of loans previously charged-off	436		329		63		—		—		—		—		—		828
Net loans (charged-off) and recovered	(1,061)		(197,253)		(19,734)		—		(17,837)		—		—		(35)		(235,920)
Provision for (reversal of) credit losses	9,010		227,273		20,588		(115)		20,487		482		—		33		277,758
Ending balance	$	24,242	$	95,395	$	20,149	$	357	$	13,983	$	1,561	$	515	$	26	$	156,228

For the Nine Months Ended September 30, 2024

Allowance for credit losses:
Balance at beginning of period	$	17,824	$	40,050	$	14,333	$	861	$	10,198	$	1,992	$	657	$	25	$	85,940
Loans charged-off	(4,150)		(21,329)		(3,800)		—		(129)		—		—		(88)		(29,496)
Recoveries of loans previously charged-off	220		185		71		—		—		—		—		—		476
Net loans (charged-off) and recovered	(3,930)		(21,144)		(3,729)		—		(129)		—		—		(88)		(29,020)
Provision for (reversal of) credit losses	6,409		34,406		9,467		(123)		5,348		(695)		43		92		54,947
Ending balance	$	20,303	$	53,312	$	20,071	$	738	$	15,417	$	1,297	$	700	$	29	$	111,867


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						22


Table of Contents						Notes to Consolidated Financial Statements \| Note 4 – Loans and Allowance for Credit Losses

The table below presents the amortized cost basis of collateral-dependent HFI loans by portfolio segment.


	As of
	September 30, 2025				December 31, 2024
(dollars in thousands)	Business/Other Assets		Real Estate		Business/Other Assets		Real Estate
Commercial	$	15,137	$	2,823	$	1,214	$	1,125

Income-producing-commercial real estate	880		56,466		880		167,574
Owner occupied - commercial real estate	—		14,647		—		37,746
Real estate mortgage- residential	—		6,141		—		—
Construction - commercial and residential	—		22,475		—		—
Home equity	—		499		—		303

Total	$	16,017	$	103,051	$	2,094	$	206,748

Credit Quality Indicators

The Company uses several credit quality indicators to manage credit risk in an ongoing manner. The Company’s primary credit quality indicator is an internal credit risk rating system that categorizes loans into pass, special mention or classified categories. Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation. These are typically loans to businesses or individuals in the classes which comprise the commercial portfolio segment. Groups of loans that are underwritten and structured using standardized criteria and characteristics, such as statistical models (e.g., credit scoring or payment performance), are typically risk rated and monitored collectively. These are typically loans to individuals in the classes which comprise the consumer portfolio segment.

The following are the definitions of the Company’s credit quality indicators:


Pass:			Loans in all classes that comprise the commercial and consumer portfolio segments that are not adversely rated, are contractually current as to principal and interest and are otherwise in compliance with the contractual terms of the loan agreement. Management believes that there is a low likelihood of loss related to those loans that are considered pass.

Special Mention:			Loans in the classes that comprise the commercial portfolio segment that have potential weaknesses that deserve management’s close attention. If not addressed, these potential weaknesses may result in deterioration of the repayment prospects for the loan. The special mention credit quality indicator is not used for classes of loans that comprise the consumer portfolio segment. Management believes that there is a moderate likelihood of some loss related to those loans that are considered special mention.

			Classified (a) Substandard – Loans inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the company will sustain some loss if the deficiencies are not corrected. Loss potential, while existing in the aggregate amount of substandard loans, does not have to exist in individual loans classified substandard.

			Classified (b) Doubtful – Loans that have all the weaknesses inherent in a loan classified substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors, which may work to the advantage and strengthening of the assets, its classification as an estimated loss is deferred until its more exact status may be determined.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						23


Table of Contents						Notes to Consolidated Financial Statements \| Note 4 – Loans and Allowance for Credit Losses

The Company's credit quality indicators are generally updated annually, however, credits rated "Special Mention" or below are reviewed more frequently. The table below presents the amortized cost basis of HFI loans by risk category, class and year of origination, along with any charge-offs that were recorded in the applicable loan segment, if applicable. The table below excludes $170.3 million of gross charge-offs associated with loans that were reclassified to HFS or sold during the nine months ended September 30, 2025, of which $124.1 million was related to HFS loans on our balance sheet as of September 30, 2025.


	As of September 30, 2025
(dollars in thousands)	Prior		2021		2022		2023		2024		2025		Revolving Loans Amort. Cost Basis		Revolving Loans Convert. to Term		Total
Commercial:
Pass	$	98,504	$	20,177	$	40,374	$	70,251	$	94,408	$	266,338	$	515,191	$	2,881	$	1,108,124
Special Mention	9,125		344		10,085		996		5,080		—		27,568		—		53,198
Substandard	23,126		480		18,516		333		57		—		11,249		2,722		56,483
Total	130,755		21,001		68,975		71,580		99,545		266,338		554,008		5,603		1,217,805
YTD gross charge-offs	(881)		(316)		—		—		—		—		(279)		—		(1,476)
PPP loans:
Pass	—		103		—		—		—		—		—		—		103


Income producing - commercial real estate:
Pass	1,148,730		426,263		525,101		313,757		80,355		131,581		151,029		13,418		2,790,234
Special Mention	95,808		120,777		76,721		—		7,095		—		—		—		300,401
Substandard	231,711		57,039		73,398		—		—		—		250		—		362,398
Total	1,476,249		604,079		675,220		313,757		87,450		131,581		151,279		13,418		3,453,033
YTD gross charge-offs	(44,473)		—		—		—		—		—		—		—		(44,473)
Owner occupied - commercial real estate:
Pass	670,749		211,343		36,098		146,464		126,386		120,571		98,369		—		1,409,980
Special Mention	9,451		—		—		—		—		—		—		—		9,451
Substandard	70,584		3,160		1,077		459		—		—		—		—		75,280
Total	750,784		214,503		37,175		146,923		126,386		120,571		98,369		—		1,494,711
YTD gross charge-offs	(19,797)		—		—		—				—		—		—		(19,797)
Real estate mortgage - residential:
Pass	14,244		6,435		12,019		5,845		—		—		—		—		38,543
Substandard	6,141		—		—		—		—		—		—		—		6,141
Total	20,385		6,435		12,019		5,845		—		—		—		—		44,684

Construction - commercial and residential:
Pass	39,742		112,801		418,039		215,777		9,239		3,754		107,010		9,409		915,771
Special Mention	—		35,654		24,981		—		—		—		—		—		60,635
Substandard	10,498		7,912		15,551		—		—		—		—		—		33,961
Total	50,240		156,367		458,571		215,777		9,239		3,754		107,010		9,409		1,010,367
YTD gross charge-offs	(702)		—		—		—		—		—		—		—		(702)
Construction - C&I (owner occupied):
Pass	3,775		—		—		9,792		—		(382)		800		19,393		33,378


Home equity
Pass	1,679		35		114		—		—		—		46,371		608		48,807
Substandard	53		207		220		—		—		—		46		—		526
Total	1,732		242		334		—		—		—		46,417		608		49,333

Other consumer
Pass	—		—		—		—		6		177		1,082		—		1,265


YTD gross charge-offs	(3)		—		—		—		—		—		—		(32)		(35)

Total Recorded Investment	$	2,433,920	$	1,002,730	$	1,252,294	$	763,674	$	322,626	$	522,039	$	958,965	$	48,431	$	7,304,679
Total YTD gross charge-offs	$	(65,856)	$	(316)	$	—	$	—	$	—	$	—	$	(279)	$	(32)	$	(66,483)


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						24


Table of Contents						Notes to Consolidated Financial Statements \| Note 4 – Loans and Allowance for Credit Losses

The Company individually evaluates nonaccrual loans when performing its CECL estimate to calculate the ACL. Additionally, the Company utilizes historical internal and third-party service provider sourced loss data in the determination of its PD/LGD rates applied in the calculation of its CECL estimate. Upon determination that a modified loan (or a portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amount.


Eagle Bancorp, Inc Third Quarter 2025 Form 10-Q						25


Table of Contents						Notes to Consolidated Financial Statements \| Note 4 – Loans and Allowance for Credit Losses


	As of December 31, 2024
(dollars in thousands)	Prior		2020		2021		2022		2023		2024		Revolving Loans Amort. Cost Basis		Revolving Loans Convert. to Term		Total
Commercial:
Pass	$	132,595	$	26,775	$	133,400	$	110,439	$	89,608	$	104,927	$	513,645	$	4,394	$	1,115,783
Special Mention	7,828		3,479		—		—		—		—		18,384		—		29,691
Substandard	11,404		3,713		2,128		519		—		—		12,223		7,880		37,867
Total	151,827		33,967		135,528		110,958		89,608		104,927		544,252		12,274		1,183,341
YTD gross charge-offs	(4,350)		—		—		—		—		—		(506)		(50)		(4,906)
PPP loans:
Pass	—		—		287		—		—		—		—		—		287


Income producing - commercial real estate:
Pass	1,442,246		176,268		626,527		680,822		276,731		151,535		216,363		29,243		3,599,735
Special Mention	74,251		91,643		—		20,600		—		—		—		—		186,494
Substandard	266,309		1,808		—		—		—		—		10,500		—		278,617
Total	1,782,806		269,719		626,527		701,422		276,731		151,535		226,863		29,243		4,064,846
YTD gross charge-offs	(29,898)		(386)		—		—		—		—		—		—		(30,284)
Owner occupied - commercial real estate:
Pass	622,258		57,611		219,162		39,221		138,860		69,623		299		—		1,147,034
Special Mention	23,658		—		—		—		—		—		—		—		23,658
Substandard	96,634		1,248		—		1,095		—		—		—		—		98,977
Total	742,550		58,859		219,162		40,316		138,860		69,623		299		—		1,269,669
YTD gross charge-offs	(3,800)		—		—		—		—		—		—		—		(3,800)
Real estate mortgage - residential:
Pass	20,080		2,435		9,972		12,181		5,867		—		—		—		50,535

Total	20,080		2,435		9,972		12,181		5,867		—		—		—		50,535

Construction - commercial and residential:
Pass	26,739		38,385		199,933		595,496		202,577		7,588		124,508		—		1,195,226
Special Mention	—		—		4,964		—		—		—		—		—		4,964
Substandard	5,683		—		4,890		—		—		—		—		—		10,573
Total	32,422		38,385		209,787		595,496		202,577		7,588		124,508		—		1,210,763
YTD gross charge-offs	(129)		—		—		—		—		—		—		—		(129)
Construction - C&I (owner occupied):
Pass	6,063		24,632		—		36,544		8,458		26,730		832		—		103,259


Home equity:
Pass	1,366		71		35		116		—		—		48,443		765		50,796
Substandard	59		—		222		—		—		—		53		—		334
Total	1,425		71		257		116		—		—		48,496		765		51,130

Other consumer:
Pass	3		—		—		—		—		49		1,006		—		1,058


YTD gross charge-offs	(70)		—		—		—		—		—		(17)		(1)		(88)

Total Recorded Investment	$	2,737,176	$	428,068	$	1,201,520	$	1,497,033	$

EAGLE BANCORP INC 10-Q