Eagle Bancorp (EGBN) risk factors, FY2025 10-K

Eagle Bancorp's FY2025 10-K, filed Mar 09, 2026, lists 36 risk factors in 5 groups. Against the prior year's 41: 1 new, 6 dropped, 14 substantially reworded.

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Risk factors listed
365 groups
New this year
1vs 41 last year
Dropped
6since the prior 10-K
Substantially reworded
14of those kept
Section length
13k wordsItem 1A

What the changes say

  • Eagle Bancorp added risks regarding trade policy and tariffs while tightening disclosures on Washington D.C. real estate exposure and federal workforce reductions.

What changed since the prior 10-K

New

  • NewRisks Related to Our Business and Economic Conditions

    Changes in U.S. trade policies and practices could have an adverse effect on our business, financial position and results of operations

    New tariffs and trade policies could disrupt supply chains, slow economic growth, and impair borrowers' ability to repay loans.

Dropped

  • DroppedRISKS RELATED TO OUR BUSINESS AND ECONOMIC CONDITIONS

    activities and on our financial condition and performance. Accordingly, we may be unable to raise additional financing if needed or on acceptable terms

  • DroppedRISKS RELATED TO OUR BUSINESS AND ECONOMIC CONDITIONS

    in losses from fraud or error, harm our reputation or cause investors to lose confidence in our reported financial information, all of which could have a material adverse effect on our results of operations, financial condition or stock price

  • DroppedRISKS RELATED TO OUR BUSINESS AND ECONOMIC CONDITIONS

    the quality and collectability of our loans may be adversely affected, the value of collateral may decline and loan demand may be reduced

  • DroppedRISKS RELATED TO OUR BUSINESS AND ECONOMIC CONDITIONS

    Our financial condition, earnings and asset quality could be adversely affected if our consumer facing operations do not operate in compliance with applicable regulations

  • DroppedRISKS RELATED TO OUR LEGAL AND REGULATORY ENVIRONMENT

    regulatory agencies, civil money penalties or damage to our reputation, all of which could have a material adverse effect on our business, financial condition and results of operations

  • DroppedGENERAL RISKS

    The price of our common stock may fluctuate significantly, which may make it difficult for investors to resell shares of common stock at a time or price they find attractive

Reworded

  • 89% rewrittenRisks Related to Our Business and Economic Conditions

    Our inability to access sources of financing at terms that are favorable to us may result in an adverse effect on our business, financial condition and results of operations

    Changed the Federal Reserve lender of last resort reference to extending credit specifically through the discount window.

  • 65% rewrittenRisks Related to Our Business and Economic Conditions

    Failure to maintain effective systems of internal and disclosure controls could have a material adverse effect on our results of operations, financial condition and stock price

    Expanded the potential consequences of internal control failures to explicitly include fraud or error losses and lost investor confidence.

  • 52% rewrittenRisks Related to Our Business and Economic Conditions

    Our concentrations of loans may create a greater risk of loan defaults and losses

    Added specific references to $1.3 billion in construction loans, $1.2 billion in commercial loans, and $871 million in office property loans.

  • 51% rewrittenRisks Related to Our Legal and Regulatory Environment

    Our operation in our regulatory environment, both current or updated as a result of new or updated laws or rules, may have an adverse impact on our business, our financial condition and our results of operations

    Clarified that banking regulations are intended for depositor and public protection rather than shareholders.

  • 39% rewrittenRisks Related to Our Business and Economic Conditions

    Our customers and businesses in the Washington, D.C. metropolitan area in general have been and may continue to be adversely impacted as a result of changes in government spending or the size of the federal workforce and may also be adversely affected by a government shutdown

    Updated to reflect active federal government footprint reductions and workforce cuts impacting the Washington D.C. commercial real estate market.

    Was: Our customers and businesses in the Washington, D.C. metropolitan area in general may be adversely impacted as a result of changes in government spending or a government shutdown

  • 36% rewrittenRisks Related to Our Business and Economic Conditions

    Our calculation of our ACL relies on estimates and assumptions, resulting in the risk that our ACL may not cover actual future credit losses, which could result in an adverse effect on our business and results of operations

    Minor wording change replacing third-party historical loss data approximation language.

    Was: Our calculation of our ACL relies on estimates and assumptions, resulting in the risk that our calculated ACL may not cover actual future credit losses, which could result in an adverse effect on our business, financial condition and results of operations

  • 33% rewrittenRisks Related to Our Business and Economic Conditions

    Climate-related risks or government action and societal responses to climate-related risks could adversely affect our results of operations

    Replaced climate change references with direct mentions of natural disasters and extreme weather.

    Was: Climate change or government action and societal responses to climate change could adversely affect our results of operations

  • 31% rewrittenRisks Related to Our Business and Economic Conditions

    Our business and results of operations may be adversely affected by the financial markets, fiscal, monetary, and regulatory policies and economic conditions. These factors could have a material adverse effect on our earnings, net interest margin, financial condition, growth, liquidity, and stock price

    Updated macroeconomic interest rate descriptions from combating inflation to responding to changing conditions.

    Was: Our business and results of operations may be adversely affected by the financial markets, fiscal, monetary, and regulatory policies and economic conditions. These factors could have a material adverse effect on our earnings, net interest margin, financial condition, rate of growth, liquidity levels, and stock price

  • 30% rewrittenRisks Related to Our Business and Economic Conditions

    Difficulty recruiting or retaining successful bankers, as well as the loss of any of our executive officers or other key personnel, could negatively impact the implementation of our business strategy, impair relationships with our customers and adversely affect our financial condition and results of operations

  • 26% rewrittenRisks Related to Our Business and Economic Conditions

    Changes in interest rates and other factors beyond our control could have an adverse impact on our financial performance and results

  • 24% rewrittenRisks Related to Our Business and Economic Conditions

    We may face risks with respect to future expansion or acquisition activity

  • 23% rewrittenRisks Related to Our Business and Economic Conditions

    A significant portion of our loan portfolio consists of loans secured by commercial properties, the adverse performance of which could impact the credit quality of the loan portfolio and result in a negative impact to our financial condition or results of operations

  • 23% rewrittenRisks Related to Our Business and Economic Conditions

    We may not be able to grow or manage competition

  • 22% rewrittenRisks Related to Our Business and Economic Conditions

    Damage to our reputation, including as a result of actual or alleged conduct or public opinion of the financial services industry generally could harm our operations, including our liquidity, competitive position and business prospects

All 36 risk factors

Headings as the filing states them, in filing order.

Risks Related to Our Business and Economic Conditions

  1. 01Our business and results of operations may be adversely affected by the financial markets, fiscal, monetary, and regulatory policies and economic conditions. These factors could have a material adverse effect on our earnings, net interest margin, financial condition, growth, liquidity, and stock price31% rewritten
  2. 02A significant portion of our loan portfolio consists of loans secured by commercial properties, the adverse performance of which could impact the credit quality of the loan portfolio and result in a negative impact to our financial condition or results of operations23% rewritten
  3. 03Our calculation of our ACL relies on estimates and assumptions, resulting in the risk that our ACL may not cover actual future credit losses, which could result in an adverse effect on our business and results of operations36% rewritten
  4. 04We are subject to operational risks in connection with our employees and our technology that may adversely impact us
  5. 05Our reliance on external service providers exposes us to operational risk that could adversely impact our business
  6. 06Our inability to generate liquidity in a timely manner may adversely impact our ability to satisfy obligations associated with our financing, our operations and other components of our business
  7. 07Our inability to access sources of financing at terms that are favorable to us may result in an adverse effect on our business, financial condition and results of operations89% rewritten
  8. 08Our inability to comply with capital and other regulatory requirements would have an adverse impact on our business, financial condition and results of operations and our ability to return capital to our shareholders
  9. 09Our investment securities are subject to market risk and credit risk that may have an adverse impact on our financial condition and results of operations
  10. 10Damage to our reputation, including as a result of actual or alleged conduct or public opinion of the financial services industry generally could harm our operations, including our liquidity, competitive position and business prospects22% rewritten
  11. 11We may not be able to grow or manage competition23% rewritten
  12. 12Failure to maintain effective systems of internal and disclosure controls could have a material adverse effect on our results of operations, financial condition and stock price65% rewritten
  13. 13We may face risks with respect to future expansion or acquisition activity24% rewritten
  14. 14Our concentrations of loans may create a greater risk of loan defaults and losses52% rewritten
  15. 15Our concentration of large depositors may increase our liquidity risk and have an adverse effect on our results of operations
  16. 16Changes in interest rates and other factors beyond our control could have an adverse impact on our financial performance and results26% rewritten
  17. 17We may not be able to successfully compete with others for business
  18. 18Our customers and businesses in the Washington, D.C. metropolitan area in general have been and may continue to be adversely impacted as a result of changes in government spending or the size of the federal workforce and may also be adversely affected by a government shutdown39% rewritten
  19. 19Changes in U.S. trade policies and practices could have an adverse effect on our business, financial position and results of operationsNew
  20. 20We rely upon independent appraisals to determine the value of the real estate that secures a significant portion of our loans, and the values indicated by such appraisals may not be realizable if we are forced to foreclose upon such loans
  21. 21We are exposed to risk of environmental liabilities with respect to properties to which we take title
  22. 22Climate-related risks or government action and societal responses to climate-related risks could adversely affect our results of operations33% rewritten
  23. 23Difficulty recruiting or retaining successful bankers, as well as the loss of any of our executive officers or other key personnel, could negatively impact the implementation of our business strategy, impair relationships with our customers and adversely affect our financial condition and results of operations30% rewritten

Risks Related to Investing in Our Stock

  1. 24Our ability to make distributions in respect of our securities may be limited
  2. 25We may issue additional equity securities or engage in other transactions that could affect the priority of our common stock, which may adversely affect the market price of our common stock
  3. 26Substantial regulatory limitations on changes of control and anti-takeover provisions of Maryland law may make it more difficult for shareholders to receive a change in control premium

Risks Related to Our Legal and Regulatory Environment

  1. 27Our concentrations of loans may require us to maintain higher levels of capital
  2. 28Litigation and regulatory actions, including enforcement actions, could subject us to significant fines, penalties, judgments or other requirements resulting in increased expenses or restrictions on our activities
  3. 29Our operation in our regulatory environment, both current or updated as a result of new or updated laws or rules, may have an adverse impact on our business, our financial condition and our results of operations51% rewritten
  4. 30Increases in FDIC insurance premiums could adversely affect our earnings and results of operations
  5. 31We are subject to laws regarding the privacy, information security and protection of personal information, and any violation of these laws or another incident involving personal, confidential or proprietary information of individuals could damage our reputation and otherwise adversely affect our business

Risks Related to Accounting and Taxation

  1. 32Changes in tax laws could have an adverse effect on us, the banking industry, our customers, the value of collateral securing our loans and demand for loans
  2. 33Changes in accounting standards could impact our financial condition and results of operations

Risks Related to The Use of Technology

  1. 34Our operations, including our transactions with customers and the services we receive from third parties, are increasingly conducted via electronic means, and this has increased risks related to cybersecurity
  2. 35Failure to keep up with the rapid technological changes in the financial services industry could have a material adverse effect on our competitive position and profitability
  3. 36We depend on the use of data and modeling in both management’s decision-making, generally, and in meeting regulatory expectations, in particular

Other Eagle Bancorp 10-Ks

  • FY2024 10-K risk factors
    41 risks

    Heavy geographic concentration in Washington, D.C. commercial real estate creates localized credit and economic vulnerability.

    Filed Feb 27, 2025

About this page

The headings are the filing's own. The one-line readings and the overview are automated and can be wrong: read Item 1A of the 10-K for the exact wording.