Eagle Bancorp Q3 2026 earnings rise to $24.2M

The lower credit-loss provision coincided with higher earnings, while nonperforming assets rose and pre-provision net revenue fell.

Rhea-AI Filing Summary

Eagle Bancorp, Inc. (EGBN) reported third-quarter 2026 net income of $24.2 million, or $0.79 per diluted share, versus Q2’s $6.9 million and $0.23 per diluted share. The increase primarily reflected provision for credit losses falling to $2.8 million from $21.4 million. Net interest income was $61.3 million versus $62.4 million, while pre-provision net revenue declined to $23.8 million from $29.1 million. Net interest margin rose to 2.60% from 2.52%.

At September 30, 2026, nonperforming assets were $166.0 million, or 1.75% of assets, versus $113.1 million and 1.17% at June 30; 76.0% of $73.7 million in nonperforming loan inflows came from one loan migration. Net charge-offs were $4.2 million versus $47.9 million in Q2. Deposits were $8.0 billion, down $151.1 million (1.8%) sequentially. Total loans, including loans held for sale, were $6.6 billion, down 1.4%. Common equity tier 1 capital was 14.99%. Eagle declared a $0.01-per-share cash dividend, payable November 17, 2026, to shareholders of record November 6, 2026. Its outlook gives a Q4 net interest margin range of 2.65%–2.78% and FY2027 range of 2.77%–3.05%.

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Positive

• Moderate pointNet income increased $17.3 million quarter-over-quarter to $24.2 million.

Negative

• Moderate pointNonperforming assets rose $52.9 million quarter-over-quarter to $166.0 million.
• Moderate pointPre-provision net revenue fell 18.3% quarter-over-quarter to $23.8 million.

Filing Explained

The additional Q4 and FY2027 deposit, loan and expense ranges are projections, not realized results.

Eagle Bancorp’s October 21 Form 8-K furnishes third-quarter results and an investor presentation; the presentation reports $4,713 million of available liquidity—cash, borrowing access and unencumbered securities—equal to 195% of uninsured deposits.

For Q4, the presentation projects average deposits of $8,713–$9,160 million, average loans of $6,681–$7,023 million; the company says its outlook is not a guarantee of future results.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Net income: $24.2 million Diluted earnings per share: $0.79 Provision for credit losses: $2.8 million +5 more

8 metrics

Net income $24.2 million Third quarter 2026; $6.9 million in Q2 2026

Diluted earnings per share $0.79 Third quarter 2026; $0.23 in Q2 2026

Provision for credit losses $2.8 million Third quarter 2026; $21.4 million in Q2 2026

Net interest income $61.3 million Third quarter 2026; $62.4 million in Q2 2026

Pre-provision net revenue $23.8 million Third quarter 2026; $29.1 million in Q2 2026

Net interest margin 2.60% Third quarter 2026; 2.52% in Q2 2026

Nonperforming assets $166.0 million As of September 30, 2026; 1.75% of total assets

Common equity tier 1 capital 14.99% As of September 30, 2026, to risk-weighted assets

Key Terms

Pre-provision net revenue, Allowance for credit losses, Net interest margin, Non-performing assets, +1 more

5 terms

Pre-provision net revenue financial

"Pre-provision net revenue declined in the third quarter"

Pre-provision net revenue is a bank’s income from core operations — interest earned minus interest paid plus fees and other operating income, after operating costs — measured before setting aside funds for potential loan losses. Investors use it to gauge how well a bank’s everyday business generates money independent of one-time loss reserves, like judging a store’s sales and operating profit before accounting for an expected number of returned items.

Allowance for credit losses financial

"Allowance for credit losses was 1.84% of total loans"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

Net interest margin financial

"The net interest margin increased to 2.60%"

Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.

Non-performing assets financial

"Non-performing assets increased by $52.9 million"

Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.

Brokered deposits financial

"Brokered deposits declined $348.0 million quarter over quarter"

Brokered deposits are large sums of customer cash placed at a bank through a third-party intermediary that shops around for the best interest rate, like a broker assembling a big bucket of savings and directing it to a bank. They matter to investors because they can quickly change a bank’s funding level and cost — providing fast liquidity but also adding volatility and regulatory scrutiny that can affect a bank’s stability and profitability.

Earnings Snapshot

Net income: $24.2 million · Guidance included

Third quarter 2026

Net income $24.2 million Up from $6.9 million in Q2 2026

Diluted earnings per share $0.79 Compared with $0.23 in Q2 2026

Net interest income $61.3 million Compared with $62.4 million in Q2 2026

Provision for credit losses $2.8 million Compared with $21.4 million in Q2 2026

Pre-provision net revenue $23.8 million Down 18.3% from Q2 2026

Net interest margin 2.60% Up 8 basis points from Q2 2026

Guidance

Q4 2026 outlook: average deposits of $8.713–$9.160 billion; average loans of $6.681–$7.023 billion; net interest margin of 2.65%–2.78%; noninterest expense of $41.6–$43.8 million. FY2027 outlook: average deposits of $8.546–$9.470 billion; average loans of $6.938–$7.668 billion; net interest margin of 2.77%–3.05%.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much net income did EGBN report for Q3 2026?

EGBN reported $24.2 million in third-quarter 2026 net income, or $0.79 per diluted share. In Q2 2026, net income was $6.9 million, or $0.23 per diluted share.

What were EGBN’s nonperforming assets at the end of Q3 2026?

Nonperforming assets were $166.0 million, equal to 1.75% of total assets, as of September 30, 2026. At June 30, 2026, they were $113.1 million, or 1.17% of total assets.

What dividend did EGBN declare, and when is it payable?

EGBN declared a $0.01-per-share cash dividend, payable November 17, 2026, to shareholders of record on November 6, 2026.

What did EGBN project for Q4 2026 and FY2027?

EGBN’s Q4 2026 outlook includes average deposits of $8.713–$9.160 billion, average loans of $6.681–$7.023 billion, net interest margin of 2.65%–2.78%, and noninterest expense of $41.6–$43.8 million. FY2027 outlook includes average deposits of $8.546–$9.470 billion, average loans of $6.938–$7.668 billion, and net interest margin of 2.77%–3.05%.

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Available on EDGAR 10/21/2026 - 04:28 PM EDT Accepted by SEC EDGAR 10/21/2026 - 04:26 PM EDT Learn about SEC filing dates

0001050441☐00010504412026-10-212026-10-21

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 21, 2026

EAGLE BANCORP, INC.

(Exact name of registrant as specified in its charter)

Maryland			0-25923			52-2061461
(State or Other Jurisdiction of Incorporation)			(Commission File Number)			(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 or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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 is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

Item 2.02. Results of Operations and Financial Condition.

On October 21, 2026, Eagle Bancorp, Inc. (the "Company") issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 7.01. Regulation FD Disclosure.

Attached as Exhibit 99.2 to this report is the presentation for the Company's earnings conference call on October 22, 2026, which also may be used in connection with potential meetings with investors and/or analysts. The Company does not undertake to update the information contained in the attached presentation materials.

The information contained in this Current Report on Form 8-K that is furnished under Items 2.02 and 7.01, including the accompanying Exhibits 99.1 and 99.2, is being furnished pursuant to Items 2.02 and 7.01 of Form 8-K and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liability of that section. The information contained in this Current Report on Form 8-K that is furnished under Items 2.02 and 7.01, including the accompanying Exhibits 99.1 and 99.2, shall not be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number						Description
99.1						Press Release dated October 21, 2026
99.2						Earnings Presentation
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			EAGLE BANCORP, INC.
Date: October 21, 2026			By:			/s/ Eric R. Newell
						Eric R. Newell
						Senior Executive Vice President, Chief Financial Officer

PRESS RELEASE FOR EAGLE BANCORP, INC. IMMEDIATE RELEASE CONTACT: Eric R. Newell October 21, 2026 240.497.1796 EAGLE BANCORP, INC. ANNOUNCES THIRD QUARTER 2026 RESULTS BETHESDA, MD, Eagle Bancorp, Inc. ("Eagle" or the "Company") (NASDAQ: EGBN), the Bethesda-based holding company for EagleBank (the "Bank"), one of the largest community banks in the Washington D.C. area, reported its unaudited results for the third quarter ended September 30, 2026. Eagle reported net income of $24.2 million or $0.79 per share for the third quarter 2026, compared to $6.9 million or $0.23 per share for the second quarter of 2026. This $17.3 million increase in net income is primarily due to a $18.6 million lower provision for credit losses, compared to the prior quarter. In the third quarter, net interest income decreased $1.0 million, noninterest income decreased $1.2 million, while noninterest expense increased $3.1 million. Pre-provision net revenue ("PPNR")1 declined in the third quarter to $23.8 million compared to $29.1 million for the prior quarter reflecting higher noninterest expense, lower noninterest income, and slightly lower net interest income. "This quarter provides tangible evidence of progress in executing on our strategy. Criticized and classified loans declined, net charge-offs moderated significantly, funding costs improved, and total commercial deposits grew sequentially. We also recognize that the increase in nonperforming assets, driven primarily by one significant relationship, means our asset quality work is not complete. We remain focused on resolving problem assets, strengthening relationship-based funding, and translating the capabilities of this franchise into consistent, profitable growth," said Steve Curley, President and Chief Executive Officer of the Company. Curley continued, “We also took important steps to strengthen Eagle’s growth capabilities by establishing a commercial banking presence in Baltimore, adding experienced leaders to our commercial real estate business, and appointing a new Chief People Officer. We are bringing together the talent, market coverage, and organizational leadership needed to support disciplined, profitable growth.” Additionally, the Company is announcing today a cash dividend in the amount of $0.01 per share. The cash dividend will be payable on November 17, 2026 to shareholders of record on November 6, 2026. 1 1 A reconciliation of non-GAAP financial measures and the nearest GAAP measures is provided in the GAAP Reconciliation to Non-GAAP Financial Measures tables that accompany this document.

Third Quarter of 2026 Key Elements • The Company announces today the declaration of a common stock dividend of $0.01 per share. • Total C&I loans (including owner-occupied) increased $536.5 million, or 19.54%, year- over-year, and period end C&I deposit growth totaled $111.1 million, or 6.43%. The growth in deposits reflects the continued development of our banking relationships and supports our focus on relationship-based banking. • As of the current quarter-end, the Company's CRE concentration ratio was 245.8% compared to 267.6% the prior quarter. ADC concentration was 62.2% compared to 66.2% in the prior quarter. These reductions reflect continued portfolio diversification and position the Company to pursue growth opportunities from a position of strength. • The ACL as a percentage of total loans was 1.84% at quarter-end; up from 1.83% at the prior quarter-end as specific reserves for non-performing loans increased and the qualitative reserve for performing CRE office loans ("office overlay") declined. Performing office coverage2 was 4.86% at quarter-end; as compared to 7.22% at the prior quarter- end, as the CRE office portfolio decreased and asset quality indicators improved. • Non-performing assets increased by $52.9 million to $166.0 million as of September 30, 2026, representing 1.75% of total assets, compared to $113.1 million, representing 1.17% of total assets as of June 30, 2026. During the quarter, non-performing loan inflows totaled $73.7 million, 76.0% of which resulted from a single loan migration. Reductions of $18.8 million primarily reflected pay-offs and underlying collateral liquidations. • Including loans held for sale, substandard and special mention loans totaled $648.4 million at September 30, 2026, compared to $759.6 million in the prior quarter. Substandard and special mention loans held for sale totaled $13.5 million and $25.6 million at September 30, 2026 and June 30, 2026, respectively. • Annualized quarterly net charge-offs for the third quarter of 2026 were 0.25% compared to 2.78% for the second quarter of 2026. Charge offs during the quarter declined due to less disposition activity related to classified assets. • The net interest margin ("NIM") increased to 2.60% for the third quarter of 2026, compared to 2.52% for the prior quarter, primarily driven by improved funding mix as reduced brokered deposit usage lowered cost of funds. This improvement was partially offset by lower interest income from declines in loan balances. • At quarter-end, the common equity ratio, tangible common equity ratio1, and common equity tier 1 capital (to risk-weighted assets) ratio were 12.24%, 12.24%, and 14.99%, respectively. Income Statement • Net interest income was $61.3 million for the third quarter of 2026, compared to $62.4 million for the prior quarter. Both interest income and interest expense declined during the 2 1 A reconciliation of non-GAAP financial measures and the nearest GAAP measures is provided in the GAAP Reconciliation to Non-GAAP Financial Measures tables that accompany this document. 2 Calculated as the ACL attributable to loans collateralized by performing office properties as a percentage of total performing office loans.

quarter, reflecting the impact of declining average interest-earning balances and a reduction in higher cost brokered deposits. • Provision for credit losses was $2.8 million for the third quarter of 2026, compared to $21.4 million for the prior quarter. The decrease was primarily due to the adequacy of reserves reflecting the Bank's efforts to resolve problem loan assets. The provision related to the reserve for unfunded commitments was $10 thousand, compared to $8 thousand in the prior quarter. • Noninterest income was $9.6 million for the third quarter of 2026, a decrease of $1.2 million, compared to $10.8 million for the prior quarter. The decrease in the current quarter noninterest income was primarily due to no gains on the sale of loans during the quarter, compared to a gain on sale of loans of $2.3 million in the prior quarter. This was partially offset by higher swap fee income of $1.1 million. • Noninterest expense was $47.1 million for the third quarter of 2026, compared to $44.0 million for the prior quarter. The increase over the prior quarter was primarily due to a $4.9 million increase in salaries and employee benefits driven by non-recurring $1.5 million in accelerated stock awards, $1.5 million in salary expenses from increased headcount, and non-recurring $1.3 million in annual incentives. This increase was partially offset by a $2.1 million reduction in FDIC insurance expense from improved performance metrics. • Income tax benefit was $3.3 million for the third quarter of 2026, compared to a $0.7 million expense for the prior quarter, primarily due to a state tax refund in the third quarter of 2026. Loans and Funding • Total loans, including loans held for sale, were $6.6 billion at September 30, 2026, a decrease of 1.4% from the prior quarter-end. The decrease in total loans was primarily driven by declines in income-producing real estate loans, partially offset by an increase from the purchase of residential mortgage real estate loans. • Total deposits at quarter-end were $8.0 billion, down $151.1 million, or 1.8%, from the prior quarter-end. Brokered deposits declined $348.0 million quarter over quarter. The decrease in total deposits was primarily driven by lower balances in interest-bearing transaction, savings, and money market accounts, partially offset by an increase in time deposits. Deposits decreased $1.4 billion compared to September 30, 2025. Asset Quality • Allowance for credit losses was 1.84% of total loans held for investment at September 30, 2026, compared to 1.83% at the prior quarter-end as specific reserves for non-performing loans increased and the office overlay declined. Performing office coverage was 4.86% at quarter-end; as compared to 7.22% at the prior quarter-end, as the CRE office portfolio decreased and asset quality indicators improved. • Net charge-offs were $4.2 million for the quarter, compared to $47.9 million in the second quarter of 2026. This decrease was primarily associated with less disposition activity related to classified assets. 3

• Non-performing assets ("NPAs") were $166.0 million at September 30, 2026. ◦ NPAs as a percentage of assets were 1.75% at September 30, 2026, compared to 1.17% at the prior quarter-end. At September 30, 2026, the Bank had no OREO properties on its books. ◦ Loans 30-89 days past due were $357.0 thousand at September 30, 2026, compared to $44.1 million at the prior quarter-end. Capital • Total shareholders' equity was $1.2 billion at September 30, 2026, up 0.7% from the prior quarter-end. The increase in shareholders' equity was primarily due to quarterly net income that increased capital, partially offset by higher unrealized losses on investment securities available-for-sale resulting in an increase in the accumulated other comprehensive loss. • Book value per share and tangible book value per share3 were $38.00 and $38.00, an increase of 0.7% from the prior quarter-end. Additional financial information: The financial information that follows provides more detail on the Company's financial performance for the three months ended September 30, 2026 as compared to the three months ended June 30, 2026 and September 30, 2025, as well as eight quarters of trend data. Persons wishing additional information should refer to the Company's Annual Report on Form 10-K for the year ended December 31, 2025, and other reports filed with the SEC. About Eagle Bancorp: The Company is the holding company for EagleBank, which commenced operations in 1998. The Bank is headquartered in Bethesda, Maryland, and operates through twelve banking offices and three lending offices located in Suburban Maryland, Washington, D.C. and Northern Virginia. The Company focuses on building relationships with businesses, professionals and individuals in its marketplace, and is committed to a culture of respect, opportunity, belonging, and inclusion in both its workplace and the communities in which it operates. Conference call: Eagle Bancorp will host a conference call to discuss its third quarter of 2026 financial results on Thursday, October 22, 2026 at 10:00 a.m. Eastern Time. The listen-only webcast can be accessed at: • https://edge.media-server.com/mmc/p/tvt4t76d/ • For analysts who wish to participate in the conference call, please register at the following URL: https://register-conf.media-server.com/register/BI5ebb8fdea9ff49479264f6b9339b6180 • A replay of the conference call will be available on the Company's website through Thursday, November 5, 2026: https://www.eaglebankcorp.com/ 4 3 A reconciliation of non-GAAP financial measures and the nearest GAAP measures is provided in the GAAP Reconciliation to Non-GAAP Financial Measures tables that accompany this document.

Forward-looking statements: This press release contains forward-looking statements within the meaning of the Securities Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events, financial condition, asset quality or results of Company operations and policies and regarding general economic conditions. In some cases, forward- looking statements can be identified by use of words such as "may," "will," "can," "anticipates," "believes," "expects," "plans," "strategy," "estimates," "potential," "continue," "should," "could," "strive," "feel" and similar words or phrases. These statements are based upon current and anticipated economic conditions, nationally and in the Company's market (including reductions in the size of the federal government workforce; changes in government spending; the economic effects of an extended government shutdown; the proposal, announcement or imposition of tariffs; volatility in interest rates and interest rate, monetary and fiscal policy; inflation levels; competitive factors; our ability to access cost-effective funding) and other conditions (such as the impact of bank failures, credit losses or adverse developments at other banks and related negative press about the banking industry in general on investor and depositor sentiment regarding the stability and liquidity of banks), which by their nature are not susceptible to accurate forecast and are subject to significant uncertainty. Because of these uncertainties and the assumptions on which this discussion and the forward-looking statements are based, actual future operations and results in the future may differ materially from those indicated herein. For details on factors that could affect these expectations, see the risk factors and other cautionary language included in the Company's Annual Report on Form 10-K for the year ended December 31, 2025 and in other periodic and current reports filed with the SEC, including the Company's Quarterly Reports on Form 10-Q. Readers are cautioned against placing undue reliance on any such forward-looking statements. The Company's past results are not necessarily indicative of future performance. All information is as of the date of this press release. Any forward-looking statements made by or on behalf of the Company speak only as to the date they are made. Except to the extent required by applicable law or regulation, the Company undertakes no obligation to revise or update publicly any forward-looking statement for any reason. 5

Eagle Bancorp, Inc. Consolidated Statements of Operations (Unaudited) (Dollars in thousands, except per share data) Three Months Ended September 30, June 30, September 30, 2026 2026 2025 Interest Income Interest and fees on loans $ 102,260 $ 106,358 $ 123,704 Interest and dividends on investment securities 9,898 9,243 10,527 Interest on balances with other banks and short-term investments 9,434 10,978 15,872 Total interest income 121,592 126,579 150,103 Interest Expense Interest on deposits 58,195 61,623 79,385 Interest on customer repurchase agreements — — 202 Interest on other short-term borrowings 64 582 332 Interest on long-term borrowings 2,024 2,024 2,025 Total interest expense 60,283 64,229 81,944 Net Interest Income 61,309 62,350 68,159 Provision for Credit Losses 2,809 21,448 113,215 Provision (Reversal) for Credit Losses for Unfunded Commitments 10 8 (38) Net Interest Income (Loss) After Provision for Credit Losses 58,490 40,894 (45,018) Noninterest Income Service charges on deposits 1,794 1,733 1,773 Gain (loss) on sale of loans — 2,291 (3,550) Net gain (loss) on sale of investment securities 21 266 (1,982) Increase in cash surrender value of bank-owned life insurance 5,773 5,672 5,293 Other income 1,976 797 961 Total noninterest income 9,564 10,759 2,495 Noninterest Expense Salaries and employee benefits 28,274 23,366 21,290 Premises and equipment expenses 2,331 2,445 2,944 Marketing and advertising 1,474 1,161 1,316 Data processing 4,090 4,257 3,950 Legal, accounting and professional fees 4,046 4,783 2,396 FDIC insurance 2,811 4,862 6,665 Other expenses 4,075 3,154 3,336 Total noninterest expense 47,101 44,028 41,897 Income (Loss) Before Income Tax Expense 20,953 7,625 (84,420) Income Tax Expense (Benefit) (3,293) 707 (16,907) Net Income (Loss) $ 24,246 $ 6,918 $ (67,513) Earnings (Loss) Per Common Share Basic $ 0.80 $ 0.23 $ (2.22) Diluted $ 0.79 $ 0.23 $ (2.22) 6

Eagle Bancorp, Inc. Consolidated Balance Sheets (Unaudited) (Dollars in thousands, except per share data) September 30, June 30, September 30, 2026 2026 2025 Assets Cash and due from banks $ 13,643 $ 13,394 $ 9,395 Interest-bearing deposits with banks and other short-term investments 528,617 612,349 841,372 Investment securities available-for-sale at fair value (amortized cost of $991,993, $984,607, and $1,161,644 respectively, and allowance for credit losses of $—, $—, and $—, respectively) 892,030 904,183 1,073,412 Investment securities held-to-maturity at amortized cost, net of allowance for credit losses of $409, $454, and $1,199 respectively (fair value of $684,454, $730,994, and $786,662 respectively) 797,449 814,878 872,418 Federal Reserve and Federal Home Loan Bank stock 27,885 32,500 28,306 Loans held for sale, at lower of cost or fair value 13,534 49,663 136,506 Loans held for investment, at amortized cost 6,563,354 6,622,435 7,304,679 Less: allowance for credit losses (120,781) (121,141) (156,228) Loans held for investment, net of allowance 6,442,573 6,501,294 7,148,451 Premises and equipment, net 14,744 13,239 10,503 Operating lease right-of-use assets 26,917 27,964 29,791 Deferred income taxes 140,393 134,077 77,362 Bank-owned life insurance 346,696 345,469 330,426 Other real estate owned — 1,966 14,684 Other assets 219,817 207,938 242,876 Total Assets $ 9,464,298 $ 9,658,914 $ 10,815,502 Liabilities and Shareholders' Equity Liabilities Deposits: Noninterest-bearing demand $ 1,552,920 $ 1,567,336 $ 1,577,197 Interest-bearing transaction 864,462 973,651 932,500 Savings and money market 2,845,653 3,061,987 3,702,579 Time deposits 2,770,972 2,582,123 3,251,283 Total deposits 8,034,007 8,185,097 9,463,559 Customer repurchase agreements — — 13,725 Other short-term borrowings — 100,000 — Long-term borrowings 76,676 76,593 76,346 Operating lease liabilities 34,045 35,081 36,278 Reserve for unfunded commitments 3,329 3,319 4,886 Other liabilities 157,840 108,318 97,232 Total Liabilities 8,305,897 8,508,408 9,692,026 Shareholders' Equity Common stock, par value $0.01 per share; shares authorized 100,000,000, shares issued and outstanding 30,480,480, 30,490,409, and 30,366,555 respectively 302 302 300 Additional paid-in capital 388,405 385,082 389,305 Retained earnings 882,490 858,601 831,685 Accumulated other comprehensive loss (112,796) (93,479) (97,814) Total Shareholders' Equity 1,158,401 1,150,506 1,123,476 Total Liabilities and Shareholders' Equity $ 9,464,298 $ 9,658,914 $ 10,815,502 7

Loan Mix and Asset Quality (Dollars in thousands) September 30, June 30, September 30, 2026 2026 2025 Amount % Amount % Amount % Loan Balances - Period End: Commercial $ 1,544,426 24 % $ 1,540,766 23 % $ 1,217,805 17 % Income producing - commercial real estate 2,587,587 39 % 2,729,383 41 % 3,453,033 47 % Owner occupied - commercial real estate 1,641,411 25 % 1,660,748 25 % 1,494,711 20 % Real estate mortgage - residential 134,529 2 % 35,535 1 % 44,684 1 % Construction - commercial and residential 516,565 8 % 523,121 8 % 1,010,367 14 % Construction - C&I (owner occupied) 96,509 1 % 88,458 1 % 33,378 — % Home equity 41,265 1 % 43,479 1 % 49,333 1 % Other 1,062 — % 945 — % 1,368 — % Total loans $ 6,563,354 100 % $ 6,622,435 100 % $ 7,304,679 100 % Three Months Ended or As Of September 30, June 30, September 30, 2026 2026 2025 Asset Quality: Non-performing loans $ 166,021 $ 111,124 $ 118,647 Other real estate owned — 1,966 14,684 Non-performing assets $ 166,021 $ 113,090 $ 133,331 Net charge-offs $ 4,156 $ 47,909 $ 140,814 Special mention $ 195,087 $ 274,187 $ 423,685 Substandard $ 439,761 $ 459,773 $ 534,789 8

Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields And Rates vs. Prior Quarter (Unaudited) (Dollars in thousands) Three Months Ended September 30, 2026 June 30, 2026 Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Assets Interest earning assets: Interest-bearing deposits with other banks and other short-term investments $ 1,057,929 $ 9,434 3.54 % $ 1,226,640 $ 10,978 3.59 % Loans held for sale (1) 20,925 38 0.72 % 40,356 910 9.04 % Loans (1) (2) 6,524,107 102,222 6.22 % 6,888,734 105,448 6.14 % Investment securities available-for-sale (2) 956,701 5,654 2.34 % 950,891 5,147 2.17 % Investment securities held-to-maturity (2) 807,289 4,244 2.09 % 830,921 4,096 1.98 % Total interest earning assets 9,366,951 121,592 5.15 % 9,937,542 126,579 5.11 % Noninterest earning assets 738,945 737,466 Less: allowance for credit losses (123,338) (151,328) Total noninterest earning assets 615,607 586,138 Total Assets $ 9,982,558 $ 10,523,680 Liabilities and Shareholders’ Equity Interest bearing liabilities: Interest-bearing transaction $ 1,273,097 $ 8,414 2.62 % $ 1,447,015 $ 9,379 2.60 % Savings and money market 2,955,588 22,465 3.02 % 3,194,094 24,139 3.03 % Time deposits 2,638,082 27,244 4.10 % 2,683,953 28,044 4.19 % Total interest bearing deposits 6,866,767 58,123 3.36 % 7,325,062 61,562 3.37 % Derivative collateral liability 25,874 72 1.10 % 14,834 61 1.62 % Other short-term borrowings 6,524 64 3.89 % 60,440 582 3.87 % Long-term borrowings 76,647 2,024 10.48 % 76,566 2,024 10.60 % Total interest bearing liabilities 6,975,812 60,283 3.43 % 7,476,902 64,229 3.45 % Noninterest bearing liabilities: Noninterest bearing demand 1,709,922 1,760,058 Other liabilities 132,953 133,356 Total noninterest bearing liabilities 1,842,875 1,893,414 Shareholders' equity 1,163,871 1,153,364 Total Liabilities and Shareholders’ Equity $ 9,982,558 $ 10,523,680 Net interest income $ 61,309 $ 62,350 Net interest spread 1.72 % 1.66 % Net interest margin 2.60 % 2.52 % Cost of funds 2.75 % 2.79 % (1) Loans placed on non-accrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $2.9 million and $3.9 million for the three months ended September 30, 2026 and June 30, 2026, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments. 9

Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields And Rates vs. Year Ago Quarter (Unaudited) (Dollars in thousands) Three Months Ended September 30, 2026 2025 Average Balance Interest Average Yield/ Rate Average Balance Interest Average Yield/ Rate Assets Interest earning assets: Interest-bearing deposits with other banks and other short-term investments $ 1,057,929 $ 9,434 3.54 % $ 1,449,871 $ 15,974 4.37 % Loans held for sale (1) 20,925 38 0.72 % 19,441 389 7.94 % Loans (1) (2) 6,524,107 102,222 6.22 % 7,648,459 123,315 6.40 % Investment securities available-for-sale (2) 956,701 5,654 2.34 % 1,134,993 5,866 2.05 % Investment securities held-to-maturity (2) 807,289 4,244 2.09 % 884,779 4,661 2.09 % Total interest earning assets 9,366,951 121,592 5.15 % 11,137,543 150,205 5.35 % Noninterest earning assets 738,945 658,014 Less: allowance for credit losses (123,338) (198,158) Total noninterest earning assets 615,607 459,856 Total Assets $ 9,982,558 $ 11,597,399 Liabilities and Shareholders’ Equity Interest bearing liabilities: Interest-bearing transaction $ 1,273,097 $ 8,414 2.62 % $ 1,391,316 $ 10,824 3.09 % Savings and money market 2,955,588 22,465 3.02 % 3,576,595 30,875 3.42 % Time deposits 2,638,082 27,244 4.10 % 3,312,333 37,686 4.51 % Total interest bearing deposits 6,866,767 58,123 3.36 % 8,280,244 79,385 3.80 % Customer repurchase agreements — — — % 25,557 202 3.14 % Derivative collateral liability 25,874 72 1.10 % 9,225 102 4.39 % Other short-term borrowings 6,524 64 3.89 % 29,350 332 4.49 % Long-term borrowings 76,647 2,024 10.48 % 76,318 2,025 10.52 % Total interest bearing liabilities 6,975,812 60,283 3.43 % 8,420,694 82,046 3.87 % Noninterest bearing liabilities: Noninterest bearing demand 1,709,922 1,882,971 Other liabilities 132,953 111,586 Total noninterest bearing liabilities 1,842,875 1,994,557 Shareholders' equity 1,163,871 1,182,148 Total Liabilities and Shareholders’ Equity $ 9,982,558 $ 11,597,399 Net interest income $ 61,309 $ 68,159 Net interest spread 1.72 % 1.48 % Net interest margin 2.60 % 2.43 % Cost of funds 2.75 % 3.16 % (1) Loans placed on non-accrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $2.9 million and $3.7 million for the three months ended September 30, 2026 and 2025, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments. 10

Eagle Bancorp, Inc. Statements of Operations and Highlights Quarterly Trends (Unaudited) (Dollars in thousands, except per share data) Three Months Ended September 30, 2026 June 30, 2026 March 31, 2026 December 31, 2025 September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 Income Statements: Total interest income $ 121,592 $ 126,579 $ 131,901 $ 149,526 $ 150,103 $ 151,443 $ 153,878 $ 168,417 Total interest expense 60,283 64,229 68,207 81,223 81,944 83,667 88,229 97,623 Net interest income 61,309 62,350 63,694 68,303 68,159 67,776 65,649 70,794 Provision for credit losses 2,809 21,448 13,382 15,468 113,215 138,159 26,255 12,132 Provision (reversal) for credit losses for unfunded commitments 10 8 (1,779) 203 (38) 1,759 (297) (1,598) Net interest income after provision for credit losses 58,490 40,894 52,091 52,632 (45,018) (72,142) 39,691 60,260 Noninterest income before investment gain 9,543 10,493 12,705 12,183 4,477 8,268 8,203 4,063 Net gain (loss) on sale of investment securities 21 266 3 9 (1,982) (1,854) 4 4 Total noninterest income 9,564 10,759 12,708 12,192 2,495 6,414 8,207 4,067 Salaries and employee benefits 28,274 23,366 23,247 22,661 21,290 21,940 21,968 22,597 Premises and equipment expenses 2,331 2,445 2,533 2,861 2,944 3,019 3,203 2,635 Marketing and advertising 1,474 1,161 868 1,185 1,316 1,144 1,371 1,340 Legal Contingency — (206) — 10,000 — — — — Other expenses 15,022 17,262 22,092 33,130 16,347 17,367 18,909 17,960 Total noninterest expense 47,101 44,028 48,740 69,837 41,897 43,470 45,451 44,532 Income (loss) before income tax expense 20,953 7,625 16,059 (5,013) (84,420) (109,198) 2,447 19,795 Income tax expense (3,293) 707 1,341 (2,574) (16,907) (39,423) 772 4,505 Net income (loss) 24,246 6,918 14,718 (2,439) (67,513) (69,775) 1,675 15,290 Per Share Data: Earnings (loss) per weighted average common share, basic $ 0.80 $ 0.23 $ 0.48 $ (0.08) $ (2.22) $ (2.30) $ 0.06 $ 0.51 Earnings (loss) per weighted average common share, diluted $ 0.79 $ 0.23 $ 0.48 $ (0.08) $ (2.22) $ (2.30) $ 0.06 $ 0.50 Weighted average common shares outstanding, basic 30,480,634 30,495,258 30,422,259 30,368,432 30,367,997 30,373,167 30,275,001 30,199,433 Weighted average common shares outstanding, diluted 30,634,112 30,570,105 30,540,379 30,584,374 30,367,997 30,510,847 30,404,262 30,321,644 Actual shares outstanding at period end 30,480,480 30,490,409 30,494,659 30,359,632 30,366,555 30,364,983 30,368,843 30,202,003 Book value per common share at period end $ 38.00 $ 37.73 $ 37.56 $ 37.26 $ 37.00 $ 39.03 $ 40.99 $ 40.60 Tangible book value per common share at period end(1) $ 38.00 $ 37.73 $ 37.56 $ 37.26 $ 37.00 $ 39.03 $ 40.99 $ 40.59 Dividend per common share $ 0.01 $ 0.01 $ 0.01 $ 0.01 $ 0.01 $ 0.165 $ 0.165 $ 0.165 Performance Ratios (annualized): Return on average assets 0.96 % 0.26 % 0.54 % (0.08) % (2.31) % (2.33) % 0.06 % 0.48 % Return on average common equity 8.26 % 2.41 % 5.20 % (0.85) % (22.66) % (22.35) % 0.55 % 4.94 % Return on average tangible common equity(1) 8.26 % 2.41 % 5.20 % (0.85) % (22.66) % (22.35) % 0.55 % 4.94 % Net interest margin 2.60 % 2.52 % 2.47 % 2.38 % 2.43 % 2.37 % 2.28 % 2.29 % Efficiency ratio(2) 66.5 % 60.2 % 63.8 % 86.8 % 59.3 % 58.6 % 61.5 % 59.5 % Other Ratios: Allowance for credit losses to total loans(3) 1.84 % 1.83 % 2.12 % 2.19 % 2.14 % 2.38 % 1.63 % 1.44 % Allowance for credit losses to total non-performing loans 72.75 % 109.01 % 114.29 % 149.31 % 131.67 % 81.17 % 64.59 % 54.81 % Non-performing assets to total assets 1.75 % 1.17 % 1.31 % 1.04 % 1.23 % 2.16 % 1.79 % 1.90 % Net charge-offs (recoveries) (annualized) to average total loans(3) 0.25 % 2.78 % 1.46 % 0.67 % 7.36 % 4.22 % 0.57 % 0.48 % Tier 1 capital (to average assets) 12.08 % 11.22 % 10.63 % 9.72 % 10.40 % 10.63 % 11.11 % 10.74 % Total capital (to risk weighted assets) 16.25 % 15.84 % 15.05 % 14.33 % 14.83 % 15.27 % 15.86 % 15.86 % Common equity tier 1 capital (to risk weighted assets) 14.99 % 14.58 % 13.80 % 13.07 % 13.58 % 14.01 % 14.61 % 14.63 % Tangible common equity ratio(1) 12.24 % 11.91 % 11.51 % 10.78 % 10.39 % 11.18 % 11.00 % 11.02 % Average Balances (in thousands): Total assets $ 9,982,558 $ 10,523,680 $ 11,029,930 $ 11,964,701 $ 11,597,399 $ 11,989,095 $ 12,118,190 $ 12,575,722 Total earning assets 9,366,951 9,937,542 10,456,689 11,389,162 11,137,543 11,487,006 11,640,162 12,303,940 Total loans(3) 6,524,107 6,888,734 7,112,483 7,338,320 7,648,459 7,942,333 7,933,695 7,971,907 Total deposits 8,576,689 9,085,120 9,652,007 10,590,252 10,163,215 10,226,095 9,883,233 10,056,463 Total borrowings 83,171 137,006 76,483 83,056 131,225 355,914 794,940 1,118,276 Total shareholders' equity 1,163,871 1,153,364 1,147,585 1,140,402 1,182,148 1,252,252 1,242,805 1,230,573 (1) A reconciliation of non-GAAP financial measures to the nearest GAAP measure is provided in the tables that accompany this document. (2) Computed by dividing noninterest expense by the sum of net interest income and noninterest income. (3) Excludes loans held for sale. 11

GAAP Reconciliation to Non-GAAP Financial Measures (unaudited) (dollars in thousands, except per share data) Three Months Ended September 30, June 30, September 30, 2026 2026 2025 Tangible common equity Common shareholders' equity $ 1,158,401 $ 1,150,506 $ 1,123,476 Less: Intangible assets — — — Tangible common equity $ 1,158,401 $ 1,150,506 $ 1,123,476 Tangible common equity ratio Total assets $ 9,464,298 $ 9,658,914 $ 10,815,502 Less: Intangible assets — — — Tangible assets $ 9,464,298 $ 9,658,914 $ 10,815,502 Tangible common equity ratio 12.24 % 11.91 % 10.39 % Per share calculations Book value per common share $ 38.00 $ 37.73 $ 37.00 Less: Intangible book value per common share $ — $ — $ — Tangible book value per common share $ 38.00 $ 37.73 $ 37.00 Shares outstanding at period end 30,480,480 30,490,409 30,366,555 Average tangible common equity Average common shareholders' equity $ 1,163,871 $ 1,153,364 $ 1,182,148 Less: Average intangible assets — — — Average tangible common equity $ 1,163,871 $ 1,153,364 $ 1,182,148 Return on average tangible common equity Net (loss) income $ 24,246 $ 6,918 $ (67,513) Return on average tangible common equity 8.26 % 2.41 % (22.66) % Pre-provision net revenue Net interest income $ 61,309 $ 62,350 $ 68,159 Noninterest income 9,564 10,759 2,495 Less: Noninterest expense (47,101) (44,028) (41,897) Pre-provision net revenue $ 23,772 $ 29,081 $ 28,757 Tangible common equity, tangible common equity to tangible assets (the "tangible common equity ratio"), tangible book value per common share, average tangible common equity, and the annualized return on average tangible common equity are non-GAAP financial measures derived from GAAP based amounts. The Company calculates the tangible common equity ratio by excluding the balance of intangible assets from common shareholders' equity, or tangible common equity, and dividing by tangible assets. The Company calculates tangible book value per common share by dividing tangible common equity by common shares outstanding, as compared to book value per common share, which the Company calculates by dividing common shareholders' equity by common shares outstanding. The Company calculates the annualized return on average tangible common equity ratio by dividing net income available to common shareholders by average tangible common equity, which is calculated by excluding the average balance of intangible assets from the average common shareholders' equity. The Company considers this information important to shareholders as tangible equity is a measure that is consistent with the calculation of capital for bank regulatory purposes, which excludes intangible assets from the calculation of risk based ratios, and as such is useful for investors, regulators, management and others to evaluate capital adequacy and to compare against other financial institutions. Pre-provision net revenue is a non-GAAP financial measure calculated by subtracting noninterest expenses from the sum of net interest income and noninterest income. The Company considers this information important to shareholders because it illustrates revenue excluding the impact of provisions and reversals to the allowance for credit losses on loans. 12

Third Quarter 2026 Earnings Presentation EagleBankCorp.com October 21, 2026 Scan for digital version

Forward-Looking Statements This presentation contains forward looking statements within the meaning of the Securities Exchange Act of 1934, as amended, including statements of goals, intentions, and expectations as to future trends, plans, events or results of Company operations and policies and regarding general economic conditions. In some cases, forward-looking statements can be identified by use of words such as “may,” “will,” “anticipates,” “believes,” “expects,” “plans,” “strategy”, “estimates,” “potential,” “continue,” “should,” and similar words or phrases. These statements are based upon current and anticipated economic conditions, nationally and in the Company’s market, interest rates and interest rate policy, competitive factors and other conditions which by their nature, are not susceptible to accurate forecast and are subject to significant uncertainty. For details on factors that could affect these expectations, see the risk factors and other cautionary language included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, and other periodic and current reports filed with the SEC. Because of these uncertainties and the assumptions on which this discussion and the forward-looking statements are based, actual future operations and results in the future may differ materially from those indicated herein. Readers are cautioned against placing undue reliance on any such forward-looking statements. The Company’s past results are not necessarily indicative of future performance. The Company does not undertake to publicly revise or update forward-looking statements in this presentation to reflect events or circumstances that arise after the date of this presentation, except as may be required under applicable law. This presentation was delivered digitally. The Company makes no representation that subsequent to delivery of the presentation it was not altered. For more information about the Company, please refer to www.eaglebankcorp.com and go to the Investor Relations tab. Our outlook consists of forward-looking statements that are not historical facts or statements of current conditions but instead represent only our beliefs regarding future events, many of which, by their nature, are inherently uncertain and outside our control. We may be unable to achieve the results reflected in our outlook due to the risks described in our periodic and current reports filed with the SEC, including the risk factors in our Annual Report on Form 10-K for the year ended December 31, 2025, as well as the following factors: the impact of the interest rate environment on business activity levels; declines in credit quality due to changes in the interest rate environment or changes in general economic, political, social and health conditions in the United States in general and in the local economies in which we conduct operations; our management of risks inherent in our real estate loan portfolio, including valuation risk, and the risk of a prolonged downturn in the real estate market; our management of liquidity risks; our funding profile, including the cost of our deposits and the impact of our funding costs on the competitiveness of our loan offerings; our ability to compete with other lenders, including non-bank lenders; the effects of monetary, fiscal and trade policies, including federal government spending and the impact of tariffs, the economic impact of an extended government shutdown; and the development of competitive new products and services. For further information on the Company, please contact: Eric Newell | P 240-497-1796 | E enewell@eaglebankcorp.com 2

Attractive Washington DC Footprint 1 – Source: S&P Capital IQ Pro as of September 30, 2026 2 – Source: FDIC Deposit Market Share Reports - Summary of Deposits 3 Eagle is one of the largest community banks headquartered in the Washington DC metro area and ranked 4th by deposits2 in the DC MSA for banks with less than $100 billion in assets. The Washington DC metro area represents a robust and diverse economy, supported by a dynamic mix of public and private sector activity. The region’s foundation includes globally recognized educational institutions, a thriving private sector with growing technology innovation, and a strong tourism base. One-of-a-kind Market Attractive Demographics1 Competitive Position $131,627 $86,867 DC MSA National 2026 Median Household Income

Note: Data at or for the quarter ended September 30, 2026 1 – Please refer to the Non-GAAP reconciliation in the appendix. 2 – Includes cash, cash equivalents, and available borrowing capacity. 3 – Calculated based on annualized third quarter results. 4 NIM Expands for Third Straight Quarter; Net Income Up $17.3 Million NIM expanded 8 bps to 2.60% as high-cost deposit runoff lowered the cost of funds to 2.75%. Noninterest expense rose $3.1 million due to an increase in salaries and employee benefits from accelerated awards, partially offset by lower FDIC insurance and professional fees. Income-producing CRE payoffs drove loans down 10.1% year-over-year, while C&I now represents roughly 50% of the portfolio with 20% year over year growth. The decline in provision expense to $2.8 million reflects lower reserves for the continued efforts in problem asset resolution. Capital remains a differentiator, with a 14.99% CET1 ratio and $4.7 billion in on-balance sheet liquidity2 covering 195% of uninsured deposits. Credit & Capital Balance Sheet Repositioning Margin & Funding Key Metric 2026Q2 2026Q3 QoQ Δ Net interest income ($M) $62.4 $61.3 (1.7%) Noninterest income ($M) $10.8 $9.6 (11.1%) Noninterest expense ($M) $44.0 $47.1 7.0% Pre-provision net revenue ($M)1 $29.1 $23.8 (18.3%) Provision expense ($M) $21.4 $2.8 (86.9%) Net income ($M) $6.9 $24.2 250.5% Net interest margin 2.52% 2.60% +8 bps Cost of funds 2.79% 2.75% (4) bps Efficiency ratio 60.2% 66.5% +630 bps Return on average assets3 0.26% 0.96% +70 bps Return on average TCE1,3 2.41% 8.26% +585 bps Total loans ($M) $6,622 $6,563 (0.9%) Total deposits ($M) $8,185 $8,034 (1.8%) Tangible common equity / tangible assets1 11.91% 12.24% +33 bps

5 A Disciplined Three Phase Plan to Build a Premium Franchise Phase 1 Resolve & De-risk Address legacy credit issues with urgency and transparency Work problem assets relationship by relationship Reduce criticized, classified and nonperforming exposure Preserve capital and liquidity through the transition Credit Quality | Capital | Liquidity Phase 2 Stabilize & Rebuild Establish a stronger foundation for consistent, measured growth Stabilize the balance sheet and restore modest growth Improve funding mix and deepen core operating deposits Rebalance toward relationship- led C&I, CRE and business banking Balance Sheet | Funding Mix | Core Growth Phase 3 Scale & Compound Translate franchise capacity into superior, repeatable returns Grow revenue against an established infrastructure base Deliver positive operating leverage and consistent execution Intend to publish clear financial targets and track progress against them Returns | Efficiency | TBVPS Compounding Sequencing credit normalization, balance sheet stability, and durable growth In-Progress Initiated Upcoming

12.24% 11.04% 10.92% 10.83% 10.78% 10.16% 9.78% 9.69% 9.56% 9.15% 8.69% 8.63% 8.61% 8.08% 7.91% EGBN Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 A modest reduction in risk-weighted assets supports additional capital growth. Capital Builds 41 bps Quarter-over-Quarter to 14.99% 1 – Please refer to the Non-GAAP reconciliation and footnotes in the appendices. Note: Peers are those used in the proxy for the May 2026 annual meeting. Proxy Peers are AMTB, AUB, BUSE, BY, CLBK, CNOB, CVBF, DCOM, INDB, MCB, OCFC, PFS, TMP, UBSI, WSFS and data is as of June 30, 2026. EGBN is as of September 30, 2026. Source: S&P Capital IQ Pro and company filings. 6 CET1 Ratio Excess CET1 + ACL / Total Loans Tangible Common Equity / Tangible Assets1 14.99% 14.73% 13.98% 13.89% 13.76% 13.30% 12.92% 12.92% 12.81% 12.53% 11.99% 11.94% 10.72% 10.59% 10.41% 10.28% EGBN Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 10.28% 9.22% 7.10% 6.17% 5.86% 5.85% 5.60% 5.21% 4.98% 4.94% 4.63% 3.96% 3.00% 2.62% 2.59% 2.51% Peer 1 EGBN Peer 2 Peer 3 Peer 4 Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15

$68.2 $68.3 $63.7 $62.4 $61.3 2.43% 2.38% 2.47% 2.52% 2.60% 2.10% 2.60% 3.10% $- $20.0 $40.0 $60.0 $80.0 $100.0 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) Net Interest Income NIM NIM Expansion Continues Amid Lower Net Interest Income Net interest income decreased $1.0 million quarter over quarter driven by declining average interest- earning balances, marginally offset by a reduction in higher cost brokered deposits. Interest income decreased $5.0 million due to further loan payoffs. Interest expense decreased by $3.9 million, primarily driven by lower balances in money market accounts and reduced reliance on brokered deposits. This decline was partially offset by an increase in time deposits, reflecting growth within our digital deposit channel. The net interest margin ("NIM") increased to 2.60% for the third quarter 2026, compared to 2.52% for the prior quarter, driven by improved funding mix as reduced brokered deposit usage lowered cost of funds. This improvement was partially offset by lower interest income from declines in loan volume. 7 Net Interest Income Rate/Volume Analysis Net Interest Income & Margin Net Interest Income Margin $62.4 $(7.3) $4.4 $1.0 $0.9 $61.3 NII 2026Q2 IE Assets - Vol IB Liabilities - Vol IE Assets - Yield IB Liabilities - Yield NII 2026Q3 (i n m ill io n s )

$18.6 Million Lower Provision Expense Drives Net Income to $24.2 Million Net interest income decreased by $1.0 million, primarily driven by continued loan payoffs resulting in a lower average interest-earning balance. Lower interest income was partially offset by lower interest expense due to a reduction in higher cost brokered deposits. Provision for credit losses was $2.8 million for the third quarter of 2026, compared to $21.4 million for the prior quarter. The decrease was primarily attributable to lower reserves reflecting the Bank's continued efforts in resolving problem assets. Noninterest income decreased $1.2 million driven by gains on loan sales in the second quarter that did not occur in the third quarter. This was partially offset by higher swap fee income of $1.1 million. Noninterest expense rose by $3.1 million this quarter, driven by a $4.9 million increase in salaries and employee benefits from accelerated awards. This increase was partially offset by a $2.1 million reduction in FDIC insurance expense from improved performance metrics. 8 Drivers of Net Income Change Net Interest Income Provision for Credit Losses (“PCL”) Noninterest Income Noninterest Expense $6,918 $(4,987) $3,946 $18,639 $(2) $(950) $(245) $2,051 $(5,124) $4,000 $24,246 (i n t h o u s a n d s ) 2.52% (0.31%) 0.04% 0.18% 0.02% 0.02% 0.12% 2.60% Drivers of NIM Change Note: Percentages may not sum to totals due to rounding.

Key Drivers 2026Q3 Actual 2026Q4 Outlook Growth vs 2026Q3 Actual2 FY2027 Outlook Balance Sheet1 Average deposits $8,577 $8,713 - $9,160 4.2% increase $8,546 - $9,470 Average loans $6,524 $6,681 - $7,023 5.0% increase $6,938 - $7,668 Average earning assets $9,367 $9,670 - $10,180 6.0% increase $9,634 - $10,648 Income Statement1 Net interest margin 2.60% 2.65% - 2.78% 12 bps increase 2.77% - 3.05% Noninterest income $9.6 $8.9 - $9.4 4.3% decrease $30.7 - $34.0 Noninterest expense $47.1 $41.6 - $43.8 9.3% decrease $169.7 - $187.5 Annual effective tax rate3 (2.8%) (3.0%) – 2.5% 255 bps increase 15% - 19% 2026 & 2027 Outlook 9 1 – All figures in millions. 2 – Growth vs 2026Q3 actual utilizes the midpoint of the 2026Q4 outlook. 3 - Effective tax rate in the 2026Q3 actual column is a year-to-date figure. 2026Q4 effective tax rate is an annual figure. Other Notes: Excludes loans held for sale. 2026 and 2027 Outlook represents forward-looking statements and are not a guarantee of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Please see “Forward-Looking Statements” on page 2.

17% 16% 17% 19% 19% 10% 11% 11% 12% 11% 39% 40% 38% 37% 35% 34% 33% 33% 32% 35% $9,464 $9,134 $8,591 $8,185 $8,034 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) Period End Continued Reduction of High-Cost Brokered Deposits Time Savings & Money Market Interest Bearing Transaction Noninterest Bearing 10 Brokered Deposit TrendCost Analysis 3.10% 2.96% 2.78% 2.72% 2.69% 8.85% 10.51% 10.73% 7.63% 9.96% 3.87% 3.68% 3.49% 3.45% 3.43% 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 Total Deposit Cost Borrowings Total IBL Cost 65% 64% 67% 68% 72% 35% 36% 33% 32% 28% $9,464 $9,134 $8,591 $8,185 $8,034 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) Brokered Non-Brokered

8% 8% 8% 8% 8% 39% 38% 35% 33% 31% 17% 18% 21% 23% 24% 21% 23% 24% 25% 25% 14% 11% 9% 8% 8% $7,305 $7,280 $6,939 $6,622 $6,563 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) Period End 6.40% 6.39% 6.17% 6.14% 6.22% 2.07% 2.09% 2.13% 2.08% 2.23% 5.35% 5.21% 5.12% 5.11% 5.15% 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 Loan Yield Securities Yield Total EA Yield Commercial Owner-Occupied CRE Construction – comm. & residential Office Income producing CRE (excluding office if applicable) Note: Excludes loans held for sale. 11 Loan Payoffs Decelerate Toward Balance Sheet Stability Total Period End Loans Down $741.3 million Year-over-Year Income Producing CRE by Type Yield Analysis $ in millions Balance % of Loans Office & Office Condo $524 8% Multifamily $575 9% Retail $230 3% Hotel/Motel $365 6% Mixed Use $189 3% Industrial $113 2% Single/1-4 Family & Res. Condo $67 1% Other $526 8% Total $2,588 39% Residential Mortgage Home Equity, Other Consumer Construction C&I (owner-occupied)

Asset Quality Metrics 1 – Excludes loans held for sale. 2 – Non-performing assets (“NPAs”) include loans 90 days past due and still accruing. Charts for Allowance for Credit Losses and NPAs are as of period end. Net Charge Offs (“NCO”) are annualized for periods of less than a year. 12 Provision for Credit Losses NCO / Average Loans1 Allowance for Credit Losses / Loans HFI NPAs1,2 / Assets $113,215 $15,468 $13,382 $21,448 $2,809 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n t h o u s a n d s ) 2.14% 2.19% 2.12% 1.83% 1.84% 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 1.23% 1.04% 1.31% 1.17% 1.75% 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 7.36% 0.67% 1.46% 2.78% 0.25% 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3

1 – Includes held for sale loans Trends • The $123.0 million year over year contraction in the held-for-sale (HFS) portfolio primarily reflects the successful resolution and removal of legacy problem assets. • While there were no inflows in the quarter, the Bank will continue to use the HFS channel strategically. • The held-for-sale portfolio has declined for four consecutive quarters. 13 Downgrades Decline 74% QoQ as HFS Inflows Fall to Zero Trends • Inflows into criticized and classified loans slowed substantially to $55.7 million in the third quarter from $216.1 million in the second quarter reflecting further stabilization of the loan portfolio. • Year over year, criticized and classified balances (including loans held-for-sale) fell by $447.8 million or 40.8%. This reduction was driven by a multi-pronged strategy that included loan payoffs, charge-offs, and strategic loan sales. Criticized and Classified Migration1 Held for Sale Migration $49,663 $0 $(34,629) $(1,500) $13,534 2026Q2 Inflows Sales Valuation Allowance 2026Q3 (i n t h o u s a n d s ) $759,588 $55,741 $(40,650) $(10,594) $(1,500) $(107,797) $(6,407) $648,381 2026Q2 Downgrades Upgrades HFS Sold Valuation Allowance Payoffs Charge-offs 2026Q3 (i n t h o u s a n d s )

51.7% 45.2% 52.8% 61.8% 79.6% 65.7% 59.9% 58.1% 48.6% 55.9% 49.0% 57.9% 70.6% 89.8% 74.6% 67.4% 64.0% 53.5% 82.0% 69.0% 74.0% 74.0% 88.0% 86.0% 82.5% 83.4% 73.9% % Performing1 % of Tier 1 Capital2 % of Tier 1 Capital + ACL3 % of Loans4 9.5% 8.5% 9.9% 11.8% 15.0% 12.0% 11.4% 11.5% 9.9% Criticized and Classified Balances at Two-Year Low 1 – Percent performing is calculated by summing performing criticized & classified loans and dividing by the total criticized and classified portfolio balance. 2 – Percent of Tier 1 capital is calculated by dividing the sum of all criticized and classified loans (including criticized and classified HFS loans) by Tier 1 capital. 3 – Percent of Tier 1 capital plus ACL is calculated by dividing the sum of all criticized and classified loans (including criticized and classified HFS loans) by the sum of Tier 1 capital and the ACL. 4 – Percent of loans is calculated by dividing the sum of all criticized and classified Held for Investment (HFI) loans plus criticized and classified Held for Sale (HFS) loans by period-end HFI loans outstanding. 14 $365 $245 $273 $173 $424 $269 $291 $274 $195 $391 $426 $502 $702 $536 $514 $448 $460 $440 $15 $38 $136 $91 $55 $26 $14 $756 $671 $790 $913 $1,096 $874 $794 $760 $648 $- $200 $400 $600 $800 $1,000 $1,200 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) Special Mention Substandard HFS

$976 $(206) $(82) $(165) $524 2023Q2 Charge-Offs Transferred to HFS Paydowns 2026Q3 (i n m ill io n s ) 15 Inc. Producing Office Portfolio Declines 46% Driven by Multi-faceted Approaches 1 1 – Period in-scope is 06/30/2023 – 09/30/2026 2 – LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. 3 – DSCR is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment. Note: Proxy Peers are AMTB, AUB, BUSE, BY, CLBK, CNOB, CVBF, DCOM, INDB, MCB, OCFC, PFS, TMP, UBSI, WSFS and data is as of June 30, 2026. Peer data only shown if CRE Income Producing Office was disclosed. EGBN is as of September 30, 2026. Source: S&P Capital IQ Pro and company filings. Income Producing Office Portfolio Reduction Drivers $23.8M in Reserves Total Income Producing Office Balance $523.5 % of Total Loans 8% # of Loans 48 Avg Size $10.9 Pass Rated 91.0% Performing Office Coverage 4.86% Weighted LTV2 55 Weighted DSCR3 1.1 Excess CET1+ACL / Inc Producing Office Loans EGBN 1.16 Peer Median 0.81 ($ in Millions)

$265.7 $53.7 $126.5 $66.3 $0.6 $2.3 $59.7 2026Q4 2027Q1 2027Q2 2027Q3 2027Q4 2028 2029+ (i n m ill io n s ) Note: Excludes loans held for sale 1 – LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. 2 – DSCR is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment. 3 – Debt yield is calculated based on net operating income divided by the outstanding loan balance at September 30, 2026. Multifamily Exposure Reduced 17% QoQ Through Targeted, Controlled Attrition 16 Income Producing Multifamily - Maturity Schedule Mix Trend of Income Producing Multifamily Total Multifamily Balance $574.8 # of Loans 29 Avg Size 19.8 Median Size 7.4 Pass $327 56.9% Criticized $248 43.1% Non-Accrual % 11% Weighted LTV1 62 Weighted DSCR2 1.0 Debt Yield3 6.5 Weighted Risk Rating 5836 Geography Maryland $112 19.5% Virginia $158 27.6% Washington DC $260 45.3% Other US $44 7.6% Total $574.8 100% 78% 81% 74% 59% 57% 22% 19% 26% 41% 43% $837.3 $924.6 $760.8 $691.9 $574.8 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 Criticized Pass ($ in Millions) % of Income Producing Multifamily

Appendix

18 Office Portfolio Detail 1 – LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. 2 – DSCR is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment. 3 – Class type per latest appraisal designation. 4 – % of CRE office in the Central Business District of DC. CRE Office Composition & Credit ($ in millions) Income Producing Office – Maturity Schedule Appraisals refresh on upcoming maturity or modification, collateral dependency under ASC 326, or downgrade to substandard or worse.Balance # Loans Avg. Size Crit. & Class. DC CBD4 CRE Office (crit. & class. as % of CRE Office) Owner Occupied $135.7 85 $1.6 1% Income Producing 523.5 48 10.9 7% Total CRE Office $659.3 133 $5.0 8% Income Producing by Class3 (crit. & class. in $M) Class A $306.5 14 $21.9 $34.0 11.7% Class B 207.9 27 7.7 13.2 7.3% Class C 9.1 7 1.3 0.1 0.0% Total IPO $523.5 48 $10.9 $47.3 19.0% Income Producing by Risk Rating (% of IPO) Pass $476.4 42 $11.3 91.0% Special Mention $0.0 0 0 0.0% Substandard $47.3 6 $7.9 9.0% $42 $9 $18 $69.2 $138.9 $170.3 $145.1 2026 2027 2028 2029+ Appraisal after 09/30/2025 Appraisal before 09/30/2025 $659.3M $523.5M $47.3M 55 1.1 $69.2M Total CRE Office Income Producing Office (IPO) Criticized and Classified IPO (9.0%) Weighted LTV 1 Weighted DSCR 2 2026 IPO Maturities (13.2%) Maturity 2026 2027 2028 2029+ Total % of IPO 13.2% 26.5% 32.5% 27.7% 100.0% Cumulative % 13.2% 39.8% 72.3% 100.0% Wtd. LTV1 61.1 50.7 59.7 50.2 54.9 Wtd. DSCR2 1.1 1.2 1.2 1.1 1.1 Balance PSF $266 $167 $217 $166 $196

Increase in Non-accrual Balance Driven by a Single Multifamily Asset • Period end non-accrual loans increased by $54.9 million from June 30, largely driven by a single multifamily loan which represented 76.0% of the inflow. • $14.8 million in paydowns and $4.0 million in charge-offs offset the inflows into non-accrual. 19 Non-accrual Relationships Above $5 Million1 Credit Resolution Highlights 1 – Data as of September 30, 2026 and excludes loans held for sale. Drivers of Non-accrual Change Loan Purpose - Location Balance ($ in millions) % Total NALs 1 Multifamily - Prince George’s $56.0 33.7% 2 Office - Fairfax $18.5 11.1% 3 Office - Washington DC $15.5 9.3% 4 UCC-1 Blanket Lien - Baltimore $8.7 5.2% 5 Multifamily - Washington DC $7.4 4.5% 6 Land - Montgomery $7.2 4.3% 7 Office - Fairfax $5.9 3.6% All Other Non-accrual Loans $46.8 28.2% Total Non-accrual Loans $166.0 100.0% $111.1 $73.7 $(14.8) $(4.0) $166.0 2026Q2 Inflows Paydowns Charge-offs 2026Q3 (i n m ill io n s )

Summary of Criticized and Classified Loans Above $10M 1 – LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels 2 – Debt Service Coverage Ratio is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment 3 – Mixed collateral commercial real estate Note: Excludes loans held for sale 20 All Special Mention and Substandard Loans Over $10 million # of 9/30/2026 Average Median # of 9/30/2026 % of Risk Rating Loans Balance Size Size Loans Balance Total QoQ Δ Special Mention Loans 24 $195,087 $8,129 $1,280 6 $160,500 82% New Substandard Loans 147 439,760 2,992 377 11 277,676 63% Upgrade Grand Total 171 $634,847 $3,713 $538 17 $438,175 Downgrade Appraised Debt Service Non Valuation Amount Date of Latest Value Date of Coverage Date of Accrual Since 09/30/2025 Loan # Collateral Type Loan Type Location ($000s) Maturity LTV1 ($000s) Appraisal Ratio2 DSCR (Yes, No) (Yes, No) Special Mention Loans Over $10 Million 1 Storage Facility CRE Montgomery $56,062 2/10/2027 72% $77,700 7/27/2022 0.90 6/30/2026 No No 2 Apartment Building CRE Washington DC 42,685 10/27/2026 61% 70,000 8/17/2026 0.63 6/30/2026 No Yes 3 Mixed Use: Predominantly Commercial3 CRE Montgomery 27,722 10/27/2026 53% 52,600 10/18/2021 0.75 6/30/2026 No No 4 Hotel/Motel CRE Other US 12,525 2/17/2027 24% 52,400 1/20/2024 0.93 6/30/2026 No In Process 5 All Business Assets C&I Other US 11,058 12/8/2027 N/A N/A N/A 1.33 6/30/2026 No N/A 6 Church C&I Prince William 10,449 6/10/2029 54% 19,500 2/4/2022 0.00 6/30/2026 No In Process $160,500 Substandard Loans Over $10 Million 1 Apartment Building CRE Prince George's $56,000 12/21/2026 88% $63,700 3/9/2026 0.74 8/31/2026 Yes #1 Yes 2 Apartment Building CRE Montgomery 50,322 8/31/2031 74% 67,800 11/25/2025 0.86 6/30/2026 No Yes 3 Hotel/Motel CRE Washington DC 35,774 12/23/2029 69% 52,100 10/7/2024 0.81 6/30/2026 No In Process 4 Apartment Building CRE Washington DC 25,921 9/29/2027 97% 26,700 8/13/2026 0.83 6/30/2026 No Yes 5 Apartment Building CRE Washington DC 20,474 12/30/2026 152% 13,500 6/13/2026 0.24 6/30/2026 No Yes 6 Office CRE Fairfax 18,502 2/28/2026 70% 26,600 9/21/2026 (0.56) 6/30/2026 Yes #2 Yes 7 Education CRE Montgomery 16,500 1/10/2030 88% 18,800 11/4/2024 1.75 6/30/2026 No In Process 8 Mixed Use: Predominantly Commercial3 CRE Washington DC 15,768 8/11/2031 153% 10,279 4/13/2026 1.12 6/30/2026 No Yes 9 Office CRE Washington DC 15,493 8/1/2030 43% 36,400 5/27/2026 0.68 6/30/2026 Yes #3 Yes 10 Industrial C&I Other US 11,920 2/26/2027 N/A N/A N/A (1.00) 8/31/2026 No N/A 11 Industrial C&I Other US 11,000 8/29/2028 23% 47,200 6/23/2026 (1.00) 8/31/2026 No Yes $277,676

Top 25 Loans Represent 24.3% of Total Loans 1 – Mixed collateral commercial real estate 2 – LTV is a factor considered in loan underwriting and periodic portfolio monitoring. LTVs are based on most recently appraised value, which do not necessarily reflect current market conditions. There can be no assurance the Company would be able to realize the appraised value in the event of foreclosure. LTV does not necessarily indicate current collateral levels. Note: Data as of September 30, 2026 and excludes loans held for sale. 21 Appraisal Collateral Balance % Total Risk Maturity Amount Appraisal Latest Rate Fixed / Non Collateral Type Loan Type Location ($000s) Loans Rating Date ($000s) Date LTV2 (%) Variable Accrual? 1 Apartment Building with Retail/Commercial Space Construction CRE Montgomery $94,000 1.4% Pass 12/23/2026 $168,000 11/14/2022 56% 6.50 V No 2 Apartment Building with Retail/Commercial Space Construction CRE Montgomery 88,497 1.3% Pass 11/30/2026 $151,000 5/09/2023 59% 6.92 V No 3 Apartment Building Income Producing CRE Falls Church City 88,052 1.3% Pass 12/23/2026 $185,600 11/14/2022 47% 6.46 V No 4 CCRC Skilled Nursing Owner Occupied CRE Prince George's 82,466 1.3% Pass 12/31/2027 $148,500 12/12/2025 56% 6.52 V No 5 Pledged Non-Marketable Securities C&I Other US 80,500 1.2% Pass 5/15/2029 N/A N/A N/A 8.13 V No 6 Data Center Income Producing Construction CRE Loudoun 75,000 1.1% Pass 4/26/2027 $138,696 3/07/2023 54% 6.90 V No 7 N/A C&I Washington DC 75,000 1.1% Pass 8/10/2029 N/A N/A N/A 5.42 V No 8 Land C&I Loudoun 68,000 1.0% Pass 9/28/2029 $293,000 2/17/2026 23% 7.63 V No 9 Mixed Use: Predominantly Residential Income Producing CRE Washington DC 63,300 1.0% Pass 9/06/2029 $81,900 6/29/2026 77% 5.92 V No 10 Mixed Use: Predominantly Commercial1 C&I Other US 61,191 0.9% Pass 8/31/2028 N/A N/A N/A 5.20 F No 11 Office Income Producing CRE Washington DC 61,031 0.9% Pass 3/31/2028 $108,000 11/08/2022 57% 5.50 F No 12 CCRC Skilled Nursing Owner Occupied CRE Virginia Beach City 60,243 0.9% Pass 10/30/2028 $133,149 7/27/2025 45% 6.46 V No 13 Office Income Producing CRE Montgomery 60,000 0.9% Pass 9/05/2028 $75,200 12/31/2024 80% 6.00 F No 14 Hotel Near Major University Income Producing CRE Prince George's 59,000 0.9% Pass 4/01/2027 $77,300 3/03/2025 76% 6.46 V No 15 Storage Facility Income Producing CRE Montgomery 56,062 0.9% Criticized 2/10/2027 $77,700 7/27/2022 72% 6.25 F No 16 Apartment Building Income Producing CRE Prince George's 56,000 0.9% Classified 12/21/2026 $63,700 3/09/2026 88% 7.40 V Yes 17 CCRC Assisted-Living Income Producing CRE Washington DC 54,998 0.8% Pass 12/29/2026 $85,000 8/17/2026 65% 6.75 V No 18 Apartment Building Income Producing CRE Chesterfield 53,732 0.8% Pass 3/07/2027 $110,000 6/12/2025 49% 6.71 V No 19 Education Owner Occupied / C&I Washington DC 53,251 0.8% Pass 11/10/2052 $64,050 9/06/2022 83% 3.78 V No 20 Industrial Construction CRE Prince William 52,961 0.8% Pass 11/30/2026 $115,200 9/15/2022 46% 5.80 V No 21 Hotel/Motel Income Producing CRE Washington DC 51,136 0.8% Pass 9/17/2028 $83,000 8/17/2018 62% 6.19 F No 22 Apartment Building Income Producing CRE Montgomery 50,322 0.8% Classified 8/31/2031 $67,800 11/25/2025 74% 6.34 F No 23 Apartment Building Income Producing CRE Washington DC 50,000 0.8% Pass 5/18/2027 $204,000 2/28/2023 25% 6.52 V No 24 SC-Skilled Nursing Uncovered Owner Occupied CRE Other US 50,000 0.8% Pass 3/31/2029 $78,031 1/09/2026 64% 6.21 V No 25 CCRC Skilled Nursing Owner Occupied CRE Other US 48,932 0.7% Pass 7/28/2029 $83,333 10/16/2024 59% 6.46 V No Total $1,593,675 24.3% Weighted Average 6.39

$2,531 $2,556 $2,665 $2,643 $2,746 $3,049 $3,207 $3,290 $3,282 50% 0% 20% 40% 60% $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) Commercial Owner Occupied RE % of Total Loans $1,494 $1,444 $1,444 $1,519 $1,726 $2,083 $1,845 $1,736 $1,838 23% 0% 10% 20% 30% $0 $500 $1,000 $1,500 $2,000 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) C&I Deposits % of Total Deposits C&I Highlights: +20% YoY Loan Balances & +$101.5M Sequential Deposit Growth 1 – Includes owner occupied construction 2 – End of period balances Since sharpening our focus on C&I in 2024Q4, we’ve accelerated portfolio rotation toward higher-value, relationship-driven lending, with strong production and pipeline momentum. Total C&I loans, inclusive of owner- occupied CRE, decreased by a marginal $7.6 million. While the quarter saw several payoffs, new loan growth delivered robust 20% year-over-year growth, reflecting our sustained commitment to a diversified portfolio strategy. C&I deposits grew $101.5 million, or 5.9% sequentially, reflecting relationship seasoning amongst the portfolio and a degree of seasonality. 22 20% Growth YoY 6% Growth YoY 1 Loans2 Deposits2 Recent Growth Third Quarter Activity

1 – End of period balances C&I Loans Remain Stable As CRE Balances Decline Further C&I and CRE account for 97% of the Bank’s $6.6 billion in loans HFI at 09/30/2026. Performance through September 30, 2026, highlights a shifting mix, with C&I loans expanding $233.2 million YTD on the back of healthy deal flow and a focus on portfolio diversification. Over the same period, CRE balances declined $1.0 billion and reduced the balance sheet by $148.4 million since last quarter. C&I deposits increased $111.1 million year over year to 23% of the $8.0 billion in total deposits and increased quarter- over-quarter by $101.5 million reflecting relationship seasoning amongst the portfolio and a degree of seasonality. CRE deposits declined alongside payoffs during the quarter. CRE deposits decreased $195.7 million year- over-year to $1.1 billion, yet preserved their proportional weight within total deposits, reflecting resilient deposit retention. 1 23 Loan Composition1 Deposit Composition1 Loans Deposits 38% 42% 46% 50% 50% 61% 57% 53% 49% 47% 1% 1% 1% 1% 3% $0 $2,000 $4,000 $6,000 $8,000 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) C&I CRE Other 18% 23% 22% 21% 23% 14% 14% 14% 14% 14% 68% 63% 64% 65% 64% 0% 10% 20% 30% 40% $0 $2,000 $4,000 $6,000 $8,000 $10,000 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 (i n m ill io n s ) C&I CRE Other C&I as a % of Total Deposits (RA) CRE as a % of Total Deposits (RA)

The long-term strategy for deposits is to increase core deposits and reduce reliance on wholesale funding. Digital deposit growth lifted period-end time deposits by $188.8 million, which was more than offset by declines in savings, money market, and interest-bearing transaction accounts, resulting in a $151 million decrease in total deposits quarter- over-quarter. There were no outstanding short-term borrowings at September 30, 2026 compared to $100 million at June 30, 2026. Available liquidity from the FHLB, FRB Discount Window, cash and unencumbered securities is over $4.7 billion. 24 Note: Data as of September 30, 2026 Strong Liquidity Profile Covers 195% of Uninsured Deposits Significant Available Liquidity Robust Liquidity Coverage of Uninsured Deposits Funding & Liquidity Summary Deposits Borrowings Ample Access to Liquidity $4,713 $2,415 Available Liquidity Uninsured Deposits (i n m ill io n s ) $77 $542 $1,385 $1,226 $1,559 $4,790 Borrowings 09/30/2026 Cash FHLB FRB Discount Window Unencumbered securities Borrowings + Available Liquidity (i n m ill io n s )

Investment Portfolio: Continued Run-off with Optionality Ahead • Projected principal cash flow of $61 million for the remainder of 2026. • Total securities balance decreased by $30.0 million since June 30, 2026 driven by principal paydowns, maturities, called securities, and changes in market value. • Cash flow from securities portfolio is expected to be primarily used to pay down brokered funding for the remainder of the year, with selective reinvestment potentially occurring in the first half of 2027. • Unencumbered securities of $1.56 billion available for pledging. Note: Chart is as of September 30, 2026 period end on an amortized cost basis. 25 AFS & HTM Investment Portfolio StrategyInvestment Portfolio Composition Percent Projected Securities by of Portfolio Book Reprice Classification at Book Yield Term (years) Securities AFS 54% 2.27% 3.5 Securities HTM 46% 2.07% 5.9 Total Securities 100% 2.18% 4.6 Agency Debenture, 17% Agency MBS, 59% Agency CMBS, 8% Municipal, 10% Corporate, 6%

$35.74 $38.97 $35.86 $39.08 $40.59 $37.26 $37.56 $37.73 $38.00 2020Y 2021Y 2022Y 2023Y 2024Y 2025Y 2026Q1 2026Q2 2026Q3 Recent TBVPS Expansion Driven by Retained Earnings Note: Per share data is as of period end. Please refer to Non-GAAP reconciliation and footnotes in the appendices 1 – CAGR = 12/31/2020 – 09/30/2026 26 Tangible Book Value per Share – 1% CAGR1 $37.73 $0.80 $0.11 $38.00 $(0.01) $(0.63) 2026Q2 TBVPS Net Income Dividend Stock Based Comp/ESPP AOCI 2026Q3 TBVPS

Loan Portfolio – Details 27 Note: Totals may not match detail due to adjustments for deferred fees & costs $ in millions Location C&I Owner Occupied CRE Income Producing CRE Owner Occupied Const. CRE Construction Land Residential Mortgage Consumer TOTAL % of Total Loans Washington DC $216.9 $297.6 $944.3 $65.0 $85.9 $30.6 $11.0 $11.5 $1,662.8 25.3% Suburban Washington Montgomery 147.8 205.0 351.0 10.4 192.9 5.8 3.7 16.2 932.8 14.2% Fairfax 111.5 120.7 343.4 - 12.7 2.0 6.3 6.7 603.3 9.2% Prince George's 59.5 276.5 242.7 0.8 30.4 - - 1.1 611.0 9.3% Loudoun 18.0 41.1 127.3 - 77.3 - 2.0 1.1 266.8 4.1% Alexandria 45.5 22.5 84.4 - 3.4 - 1.2 0.1 157.1 2.4% Prince William 12.1 18.5 18.6 0.1 53.0 - - 0.4 102.7 1.6% Arlington 11.8 0.2 21.3 - 2.5 - 1.3 1.1 38.2 0.6% Frederick 4.0 1.6 44.4 - - - 0.3 0.2 50.5 0.8% 410.2 686.1 1,233.1 11.3 372.2 7.8 14.8 26.9 2,762.4 42.1% Other Maryland Anne Arundel 112.9 34.3 80.6 - 19.1 - - 0.4 247.3 3.8% Baltimore 103.4 43.3 1.4 - - - - - 148.1 2.3% Howard 6.5 1.1 48.2 - - - 1.2 0.8 57.8 0.9% Eastern Shore 10.2 57.6 33.8 - - - 0.3 0.9 102.8 1.6% Charles 0.8 10.8 5.1 - - - - 0.2 16.9 0.3% Other MD 0.1 0.7 0.2 - - - 0.1 0.4 1.5 0.0% 233.9 147.8 169.3 - 19.1 - 1.6 2.7 574.4 8.8% Other Virginia Fauquier - - 2.6 - - - - - 2.6 0.0% Other VA 75.9 136.6 145.5 - - - 1.6 - 359.6 5.5% 75.9 136.6 148.1 - - - 1.6 - 362.2 5.5% Other USA 607.5 373.3 92.8 20.2 1.0 - 105.5 1.2 1,201.5 18.3% Total $1,544.4 $1,641.4 $2,587.6 $96.5 $478.2 $38.4 $134.5 $42.3 $6,563.3 100.0% % of Total Loans 23.5% 25.0% 39.4% 1.5% 7.3% 0.6% 2.0% 0.6% 100.0%

Loan Portfolio – Income Producing CRE Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of September 30, 2026 28 $ in millions Single/1-4 Family & Res. Condo % of Total LoansLocation Hotel/Motel Industrial Mixed Use Multifamily Office Retail Other TOTAL Washington DC $146.0 $0.8 $109.7 $260.5 $147.4 $51.2 $51.3 $177.4 $944.3 14.4% Suburban Washington Montgomery - 9.7 35.4 50.8 134.2 10.5 5.0 105.4 351.0 5.3% Fairfax 35.0 0.2 9.2 89.0 127.8 30.7 2.0 49.5 343.4 5.2% Prince George's 70.0 45.2 3.7 61.0 28.9 12.6 0.3 21.0 242.7 3.7% Loudoun - 21.3 0.5 - 0.5 1.8 0.2 103.0 127.3 1.9% Alexandria 13.5 - 5.1 - 30.0 1.5 1.7 32.6 84.4 1.3% Prince William - - - 4.2 - 8.2 0.2 6.0 18.6 0.3% Arlington - - - - 21.3 - - - 21.3 0.3% Frederick - 1.8 0.4 - 3.9 35.8 - 2.5 44.4 0.7% 118.5 78.2 54.3 205.0 346.6 101.1 9.4 320.0 1,233.1 18.8% Other Maryland Anne Arundel 29.9 - - - 1.6 49.1 - - 80.6 1.2% Baltimore - - - 0.3 - 0.7 0.2 0.2 1.4 0.0% Howard 29.5 5.8 - - 2.9 3.6 1.6 4.8 48.2 0.7% Eastern Shore 21.0 12.8 - - - - - - 33.8 0.5% Charles - 5.1 - - - - - - 5.1 0.1% Other MD - - - - - 0.2 - - 0.2 0.0% 80.4 23.7 0.0 0.3 4.5 53.6 1.8 5.0 169.3 2.6% Other Virginia Fauquier - - - - - - - 2.6 2.6 0.0% Other VA - 10.1 20.4 65.3 25.0 21.1 0.9 2.7 145.5 2.2% 0.0 10.1 20.4 65.3 25.0 21.1 0.9 5.3 148.1 2.3% Other USA 20.1 - 4.8 43.7 - 2.5 3.9 17.8 92.8 1.4% Total $365.0 $112.8 $189.2 $574.8 $523.5 $229.5 $67.3 $525.5 $2,587.6 39.4% % of Total 14.1% 4.4% 7.3% 22.2% 20.2% 8.9% 2.6% 20.3% 100.0%

Loan Portfolio – CRE Construction Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of September 30, 2026. 29 $ in millions % of Total LoansLocation Single & 1-4 Family Multifamily Office Hotel/Motel Mixed Use Retail Residential Condo Other TOTAL Washington DC $8.1 $51.5 $3.4 $16.6 $0.0 $0.0 $0.0 $6.3 $85.9 1.3% Suburban Washington Montgomery 10.4 182.5 - - - - - - 192.9 2.9% Fairfax 6.9 5.8 - - - - - - 12.7 0.2% Prince George's 0.1 - - - 27.7 2.6 - - 30.4 0.5% Loudoun - - - - 2.3 - - 75.0 77.3 1.2% Alexandria 0.6 - - 2.8 - - - - 3.4 0.1% Prince William - - - - - - - 53.0 53.0 0.8% Arlington 2.5 - - - - - - - 2.5 0.0% Frederick - - - - - - - - - 0.0% 20.5 188.3 - 2.8 30.0 2.6 - 128.0 372.2 5.7% Other Maryland Anne Arundel - - - - - - 4.2 14.9 19.1 0.3% Baltimore - - - - - - - - - 0.0% Howard - - - - - - - - - 0.0% Eastern Shore - - - - - - - - - 0.0% Charles - - - - - - - - - 0.0% Other MD - - - - - - - - - 0.0% - - - - - - 4.2 14.9 19.1 0.3% Other Virginia Fauquier - - - - - - - - - 0.0% Other VA - - - - - - - - - 0.0% - - - - - - - - - - Other USA - - - - - - - 1.0 1.0 0.0% Total $28.6 $239.8 $3.4 $19.4 $30.0 $2.6 $4.2 $150.2 $478.2 7.3% % of Total 6.0% 50.1% 0.7% 4.1% 6.3% 0.5% 0.9% 31.4% 100.0% Renovation $1.2 $45.8 $0.0 $19.4 $27.7 $0.0 $0.0 $0.0 $94.1 Ground-Up $27.4 $194.0 $3.4 $0.0 $2.3 $2.6 $4.2 $150.2 $384.1

Non-GAAP Reconciliation (Unaudited) 30 $ in thousands, except per share data 2025 Q3 2025 Q4 2026 Q1 2026 Q2 2026 Q3 Tangible common equity Common shareholders' equity $1,123,476 $1,131,283 $1,145,277 $1,150,506 $1,158,401 Less: Intangible assets - - - - - Tangible common equity $1,123,476 $1,131,283 $1,145,277 $1,150,506 $1,158,401 Tangible common equity ratio Total assets $10,815,502 $10,497,203 $9,954,281 $9,658,914 $9,464,298 Less: Intangible assets - - - - - Tangible assets $10,815,502 $10,497,203 $9,954,281 $9,658,914 $9,464,298 Tangible common equity ratio 10.39% 10.78% 11.51% 11.91% 12.24% Per Share Calculations Book value $37.00 $37.26 $37.56 $37.73 $38.00 Less: Intangible book value - - - - - Tangible book value $37.00 $37.26 $37.56 $37.73 $38.00 Shares outstanding 30,366,555 30,359,632 30,494,659 30,490,409 30,480,480 $ in thousands 2025 Q3 2025 Q4 2026 Q1 2026 Q2 2026 Q3 Average tangible common equity Average common shareholders equity $1,182,148 $1,140,402 $1,147,585 $1,153,364 $1,163,871 Less: Intangible assets - - - - - Average tangible common equity $1,182,148 $1,140,402 $1,147,585 $1,153,364 $1,163,871 Return on avg. tangible common equity Net Income ($67,513) ($2,439) $14,718 $6,918 $24,246 Average tangible common equity $1,182,148 $1,140,402 $1,147,585 $1,153,364 $1,163,871 Return on avg. tangible common equity (22.66%) (0.85%) 5.20% 2.41% 8.26% $ in thousands 2025 Q3 2025 Q4 2026 Q1 2026 Q2 2026 Q3 Pre-Provision Net Revenue Net interest income $68,159 $68,303 $63,694 $62,350 $61,309 Noninterest income $2,495 $12,192 $12,708 $10,759 $9,564 Noninterest expense (41,897) (69,837) (48,740) (44,028) (47,101) Pre-Provision Net Revenue 28,757 10,658 27,662 29,081 23,772

Non-GAAP Reconciliation (Unaudited) Tangible common equity, tangible common equity to tangible assets (the "tangible common equity ratio"), tangible book value per common share, average tangible common equity, and the annualized return on average tangible common equity are non-GAAP financial measures derived from GAAP based amounts. The Company calculates the tangible common equity ratio by excluding the balance of intangible assets from common shareholders' equity, or tangible common equity, and dividing by tangible assets. The Company calculates tangible book value per common share by dividing tangible common equity by common shares outstanding, as compared to book value per common share, which the Company calculates by dividing common shareholders' equity by common shares outstanding. The Company calculates the annualized return on average tangible common equity ratio by dividing net income available to common shareholders by average tangible common equity, which is calculated by excluding the average balance of intangible assets from the average common shareholders' equity. The Company considers this information important to shareholders as tangible equity is a measure that is consistent with the calculation of capital for bank regulatory purposes, which excludes intangible assets from the calculation of risk based ratios, and as such is useful for investors, regulators, management and others to evaluate capital adequacy and to compare against other financial institutions. The above table provides reconciliation of these financial measures defined by GAAP with non-GAAP financial measures. Pre-provision net revenue is a non-GAAP financial measure calculated by subtracting noninterest expenses from the sum of net interest income and noninterest income. The Company considers this information important to shareholders because it illustrates revenue excluding the impact of provisions and reversals to the allowance for credit losses on loans. Forward-Looking Non-GAAP Financial Measures: From time to time we may discuss forward-looking non-GAAP financial measures, such as forward-looking estimates for expenses excluding FDIC deposit insurance assessments. We are unable to provide a reconciliation of forward-looking non-GAAP financial measures to their most directly comparable GAAP financial measures because we are unable to provide, without unreasonable effort, a meaningful or accurate calculation or estimation of amounts that would be necessary for the reconciliation due to the complexity and inherent difficulty in forecasting and quantifying future amounts. Such unavailable information could be significant to future results. 31

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