Eaglebank
Bethesda, Maryland · FDIC Cert #34742
Eaglebank is an FDIC-insured bank (Certificate #34742) with $11.2B in total assets and $8.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Bethesda, Maryland, the bank maintains a Tier 1 capital ratio of 13.95% (Well-Capitalized) and a nonperforming loan ratio of 1.23%. BankHealthData assigns a composite Health Grade of B (76/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Eaglebank (FDIC cert 34742) is a large bank with $11.2B in total assets and $8.3B in deposits, headquartered in Bethesda, Maryland. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 13.95% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.23% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 25.8% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -1.31% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Eaglebank carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Eaglebank
- Total Assets
- $11.2B
- Total Deposits
- $8.3B
- Tier 1 Capital Ratio
- 13.95%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.23%
- Liquidity Ratio
- 25.76%
- Return on Assets
- -1.31%
- Headquarters
- Bethesda, Maryland
- FDIC Certificate
- #34742
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Eaglebank holds a Tier 1 capital ratio of 13.95%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Eaglebank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Eaglebank shows strong financial health indicators. With $11.2B in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Eaglebank Compares
Eaglebank’s Health Score of 76 is 7 points above the Maryland state average of 69 across 28 FDIC-insured banks. Its 13.95% Tier 1 capital ratio is 0.1 points below the US banking industry average near 14%. The 1.23% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -1.31% is below the national ROA benchmark of ~1.1%. Among 155 similarly-sized banks, the average Health Score is 76, meaning this bank ranks above its size cohort. Site-wide, Eaglebank is 6 points above the portfolio average of 70.
Frequently Asked Questions
Eaglebank has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.95%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Eaglebank's Tier 1 capital ratio of 13.95% and nonperforming loan ratio of 1.23% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Eaglebank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34742). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Eaglebank holds $11.2B in total assets and $8.3B in total deposits. It is headquartered in Bethesda, Maryland (FDIC Certificate #34742).
Eaglebank has a Tier 1 capital ratio of 13.95%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.23%, and the return on assets is -1.31%.
Yes. Eaglebank is FDIC-insured (Certificate #34742). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Eaglebank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.