---
schema_version: "secwatch.filing_event.v1"
accession: "0001050441-24-000007"
form_type: "8-K"
ticker: "EGBN"
cik: "0001050441"
company_name: "EAGLE BANCORP INC"
filed_at: "2024-01-24T23:59:59+00:00"
generated_at: "2026-06-06T18:59:54.417907+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Eagle Bancorp Q4 net income $20.2M ($0.67 EPS) down from $27.4M in Q3; provision jumps to $14.5M

## Summary
- Net income $20.2M vs $27.4M prior quarter; diluted EPS $0.67 vs $0.91.
- Net interest income $73.0M (+$2.3M QoQ) as NIM widened to 2.45% from 2.43%.
- Provision for credit losses surged to $14.5M from $5.6M on partial charge-off of office loan and multi-family CRE sale.
- Deposits grew 5.2% to $8.8B; brokered deposits fell to 27.0% from 29.1%.
- Net charge-off rate 0.60% annualized vs 0.02% prior quarter; NPL ratio improved to 0.82% from 0.89%.

## SEC filing metadata
- accession: 0001050441-24-000007
- form_type: 8-K
- ticker: EGBN
- cik: 0001050441
- company_name: EAGLE BANCORP INC
- filed_at: 2024-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1050441/000105044124000007/0001050441-24-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1050441/000105044124000007/gnw-20240124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001050441-24-000007
- JSON: https://secwatch.observer/filing/0001050441-24-000007.json
- Plain text: https://secwatch.observer/filing/0001050441-24-000007.txt

## Key facts
- Earnings Releases
  EAGLE BANCORP INC reported fourth quarter 2023 results: net income $20.2 million, EPS $0.67 per diluted share.
  - Period: fourth quarter 2023
  - Net income: $20.2 million
  - EPS: $0.67 per diluted share
  - Result: reported results
  source text: EAGLE BANCORP, INC. ANNOUNCES NET INCOME FOR FOURTH QUARTER 2023 OF $20.2 MILLION OR $0.67 PER DILUTED SHARE
  evidence_url: https://www.sec.gov/Archives/edgar/data/1050441/000105044124000007/0001050441-24-000007-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.