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- **Proactive Credit Management**: $121 million loans moved to held for sale; $113.2 million provision validated by independent review.
- **Reserve Adequacy**: $225.8 million of $257 million potential losses identified, supporting 2.14% allowance-to-loans ratio.
- **Franchise Strength**: 8.6% deposit growth and $105 million C&amp;I loan expansion reflect relationship-driven lending.
- **Capital Stability**: Tangible common equity at 10.39% with disciplined cost control reducing expenses by $1.6 million.
- **2026 Outlook**: Net interest income growth and reduced brokered deposits to enhance profitability.

**【Management Opening Remarks】**
- CFO Eric Newell emphasized forward-looking statements and non-GAAP financial information, noting the bank's focus on addressing asset quality issues and improving profitability.
- CEO Susan Riel highlighted progress in credit cleanup, including moving $121 million of office loans to held for sale and engaging an independent loan review firm to validate reserve adequacy.

**【CEO Commentary】**
- CEO Susan Riel detailed strategic actions to stabilize asset valuations, including deliberate loan dispositions and internal/external credit reviews.
- The bank achieved $105 million C&amp;I loan growth and 8.6% average deposit growth, reflecting relationship-driven lending and cost control.

**【CFO Financial Commentary】**
- CFO Eric Newell reported a net loss of $67.5 million, driven by $113.2 million in credit-related charges.
- Tangible common equity remained strong at 10.39%, with disciplined cost management reducing noninterest expenses by $1.6 million.
- An independent loan review validated $257 million in potential losses, with $225.8 million already recognized.

**【Q&A Highlights】**
- Executives clarified timing of asset sales, noting $140.8 million charged-off loans and $60.3 million qualitative office overlays.
- Multifamily loans showed NOI performance above underwritten levels, despite debt service ratio stress from higher rates.
- The bank expects 2026 net interest income growth and reduced brokered deposits, positioning for improved ROA and ROTCE.
- Leadership transition: Kevin Geoghegan's voluntary resignation was announced, with interim credit officers hired to maintain credit discipline.


Eagle Bancorp, Inc. (EGBN) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

EGBN

EGBN fundamentals

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