TellerScore

Headquartered in Everett, Massachusetts, Eagle Bank is a si with $709.0M in total assets and $617.8M in deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1889.

Based on its Q2 2026 filing, Eagle Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 42nd. Its strongest component is loan quality (99/100; 0.04%), and its lowest is earnings (34/100; 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.63%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 94.2% · 34.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (68 → 65), mostly because the capital cushion component weakened by 6 points.

TellerScore
646668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202465
Q1 202567
Q2 202568
Q3 202567
Q4 202566
Q1 202664
Q2 202665
Tier 1 leverage ratio
5.00%8.12%11.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.16%
Q3 202411.24%
Q4 202411.15%
Q1 202511.13%
Q2 202511.20%
Q3 202511.12%
Q4 202510.86%
Q1 202610.73%
Q2 202610.63%
Noncurrent loans
0.04%0.12%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.13%
Q4 20240.13%
Q1 20250.06%
Q2 20250.06%
Q3 20250.05%
Q4 20250.13%
Q1 20260.11%
Q2 20260.04%
Return on assets
0.09%0.27%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.09%
Q3 20240.13%
Q4 20240.16%
Q1 20250.42%
Q2 20250.44%
Q3 20250.39%
Q4 20250.38%
Q1 20260.22%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$709.0M10.63%0.04%0.35%94.2%
Q1 202664$680.3M10.73%0.11%0.22%92.0%
Q4 202566$687.5M10.86%0.13%0.38%89.9%
Q3 202567$659.6M11.12%0.05%0.39%89.2%
Q2 202568$637.8M11.20%0.06%0.44%91.7%
Q1 202567$636.4M11.13%0.06%0.42%92.6%
Q4 202465$629.6M11.15%0.13%0.16%93.9%
Q3 202465$623.2M11.24%0.13%0.13%90.7%
Q2 202464$616.0M11.16%0.19%0.09%91.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.63%
44th
Total risk-based capital0.00%
24th
Problem loans0.04%
81st
Net charge-offs0.00%
58th
Return on assets0.35%
8th
Net interest margin3.47%
26th
Efficiency ratio84.1%
10th
Loans to deposits94.2%
18th
Uninsured deposits34.0%
19th
Loan-loss reserves0.86%
15th
Texas ratio0.3%
81st

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Clinton Savings BankBank Clinton, MA58 out of 100, Moderate$744.7M9.7%0.50%vs
Middlesex Federal Savings, F.A.Bank Somerville, MA65 out of 100, Moderate$654.4M10.0%0.04%vs
Walpole Co-operative BankBank Walpole, MA83 out of 100, Strong$646.5M18.8%0.11%vs
OneUnited BankBank Boston, MA59 out of 100, Moderate$637.9M10.4%0.42%vs
Haverhill BankBank Haverhill, MA77 out of 100, Strong$636.8M11.2%0.14%vs
The Bank of CantonBank Canton, MA70 out of 100, Strong$782.5M14.4%0.90%vs

Deposit insurance

Is my money safe at Eagle Bank?

Yes. Eagle Bank is an FDIC-insured institution (FDIC certificate #90191). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.0% of deposits ($209.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Eagle Bank lists 6 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Eagle Bank reported 94 home-loan applications under HMDA (LEI 5493000GDQJIBPCUBG13): 57 originated ($59,765,000 total), 14 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Eagle Bank
Former names
Everett Savings Bank
Type
SI
FDIC certificate #
90191
RSSD ID
197302
Primary regulator
FDIC
Holding company
Eagle Bcorp Mhc
Established
March 1, 1889
Headquarters
350 Broadway, Everett, MA 02149
Employees
82

Quick answers

Eagle Bank: common questions

Is Eagle Bank FDIC insured?

Yes. Eagle Bank is an FDIC-insured institution (FDIC certificate #90191). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Eagle Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Eagle Bank ever failed?

There is no failure record for FDIC certificate #90191 in the FDIC failed bank list.

How many branches does Eagle Bank have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Everett

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs