HIGHBuilt-inLoan_portfolio
82%
loans secured by real estate
“10-K Item 1: 'resulting in a combined total 82% of all loans in our portfolio being secured or partially secured by real estate'”
EGBN · Concentration risk · 10-K extracted
Eagle Bancorp (EGBN) concentration risks
Updated
The most significant concentration Eagle Bancorp discloses is loans secured by real estate at 82%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Eagle Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH3
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
80%
commercial real estate loans
“10-K Item 1: 'The combined owner and non-owner occupied and commercial real estate loans represented approximately 80% of the loan portfolio.'”
HIGHBuilt-inGeographic
Washington, D.C. metropolitan area
“10-K Item 1: 'The primary market area of the Bank is the Washington, D.C. metropolitan area.'”
MEDIUMBuilt-inLoan_portfolio
25%
uninsured deposits
“10-K Item 1A: 'we had approximately $2.3 billion of deposits, or 25% of our total deposits, in excess of the maximum FDIC insurance coverage limits'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Eagle Bancorp's concentration risk is broad and mutually reinforcing, spanning loan type, geography, and deposit insurance. Loans secured or partially secured by real estate make up 82% of the total portfolio, and within that, commercial real estate loans specifically represent approximately 80% — both disclosed at a high share and describing essentially the same underlying exposure from two angles: the loan book is overwhelmingly collateralized by, and concentrated in, real estate. That concentration is compounded by geography: the bank's primary market is the Washington, D.C. metropolitan area, also disclosed at a high share, meaning a regional real estate downturn would hit both the collateral type and the geographic base simultaneously rather than being diversifiable. A separate, more moderate exposure sits on the funding side: approximately $2.3 billion, or 25%, of deposits exceed FDIC insurance limits, a structural liquidity consideration in a stress scenario. Together, these describe a bank whose credit risk is concentrated in one property type and one region, with a secondary, moderate deposit-insurance consideration layered on top.
For the engine’s reasoning on EGBN’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| EGBN● | Eagle Bancorp, Inc. | 3 | 1 | 0 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.