1 PRESS RELEASE FOR EAGLE BANCORP, INC. IMMEDIATE RELEASE CONTACT: Eric R. Newell October 22, 2025 240.497.1796 EAGLE BANCORP, INC. ANNOUNCES THIRD QUARTER 2025 RESULTS AND CASH DIVIDEND BETHESDA, MD, Eagle Bancorp, Inc. ("Eagle" or the "Company") (NASDAQ: EGBN), the Bethesda-based holding company for EagleBank, one of the largest community banks in the Washington D.C. area, reported its unaudited results for the third quarter ended September 30, 2025. Eagle reported a net loss of $67.5 million or $2.22 per share for the third quarter 2025, compared to a net loss of $69.8 million or $2.30 per share for the second quarter. The $2.3 million improvement in the net loss from the prior quarter is primarily due to a $24.9 million decrease in provision expense, offset by a $22.5 million reduction in the tax benefit. In the quarter, net interest income increased $383 thousand, noninterest income decreased $3.9 million, and noninterest expenses decreased $1.6 million. Pre-provision net revenue ("PPNR")1 in the third quarter was $28.8 million compared to $30.7 million for the prior quarter. The decrease is primarily due to a $3.6 million loss on sale of loans in the third quarter. "We continued to execute our strategy to resolve asset quality challenges within the loan portfolio," said Susan G. Riel, Chair, President, and Chief Executive Officer of the Company. "The credit costs recognized this quarter reflect our commitment to managing credit risk with discipline and accountability. Following an independent review of our loan portfolio and expanded supplemental internal analysis, we took actions to reduce valuation risk in the office portfolio." Ms. Riel added, “The core franchise remains sound and resilient. Our capital, liquidity, and customer relationships continue to provide a strong foundation as we move through this cycle and toward a more normalized earnings environment.” 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 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 14, 2025 to shareholders of record on November 3, 2025. Third Quarter of 2025 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 $105 million and average C&I deposits increased $134 million, or 8.6% from the previous quarter. • The ACL as a percentage of total loans was 2.14% at quarter-end; down from 2.38% at the prior quarter-end. Performing office coverage2 was 11.36% at quarter-end; as compared to 11.54% at the prior quarter-end. • Nonperforming assets decreased by $95.5 million to $133.3 million as of September 30, 2025, representing 1.23% of total assets, compared to $228.9 million, representing 2.16% of total loans as of June 30, 2025. During the quarter, nonperforming loan inflows totaled $211.8 million. Reductions of $319.6 million reflected charge-offs, loans moved to held for sale, and paydowns. • Substandard and special mention loans totaled $958.5 million at September 30, 2025, compared to $875.4 million in the prior quarter. • Annualized quarterly net charge-offs for the third quarter of 2025 were 7.36% compared to 4.22% for the second quarter of 2025. • The net interest margin ("NIM") increased to 2.43% for the third quarter of 2025, compared to 2.37% for the prior quarter, primarily driven by the reduction in interest earning assets associated with a decline in nonaccrual loan balances in the CRE loan portfolio. • At quarter-end, the common equity ratio, tangible common equity ratio1, and common equity tier 1 capital (to risk-weighted assets) ratio were 10.39%, 10.39%, and 13.58%, respectively. • Total estimated insured deposits increased at quarter-end to $7.2 billion, representing 75.6% of deposits, compared to $6.8 billion, or 75.0% in the prior quarter. • Total on-balance sheet liquidity and available capacity was $5.3 billion, compared to $2.3 billion in uninsured deposits, resulting in a coverage ratio of over 230%. 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 loans.

3 Income Statement • Net interest income was $68.2 million for the third quarter of 2025, compared to $67.8 million for the prior quarter. The increase in net interest income for the quarter was primarily driven by lower funding costs on brokered time deposits and a reduction in average short- term borrowings, which outpaced lower interest income on loans. Both interest income and interest expense declined during the quarter, reflecting the impact of lower market rates and declining average balances. • Provision for credit losses was $113.2 million for the third quarter of 2025, compared to $138.2 million for the prior quarter. The decrease was primarily driven by lower office- related reserves. Net charge-offs totaled $140.8 million, up from $83.9 million in the second quarter. The provision related to the reserve for unfunded commitments resulting in a reversal of $38 thousand, compared to a provision of $1.8 million in the prior quarter, primarily driven by changes in the economic forecast associated with our quantitative model, offset by slightly higher commitments. • Noninterest income was $2.5 million for the third quarter of 2025, compared to $6.4 million for the prior quarter. The decline was primarily driven by a $3.6 million loss on the sale of two loans and a $2.0 million loss on the sale of investment securities executed to reposition the investment portfolio and reduce higher-cost brokered funding. • Noninterest expense was $41.9 million for the third quarter of 2025, compared to $43.5 million for the prior quarter. The decrease over the linked quarter was primarily due to decreases in the FDIC assessment as the funding profile of the Bank has improved driving assessment costs down. Loans and Funding • Total loans, including loans held for sale, were $7.4 billion at September 30, 2025, down 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 in commercial and industrial loans. • Total deposits at quarter-end were $9.5 billion, up $0.3 billion, or 4%, from the prior quarter-end. The increase was primarily driven by higher balances in money market accounts offset by lower balances in brokered time deposit accounts. Deposits increased $0.9 billion compared to September 30, 2024. • Other short-term borrowings were zero at September 30, 2025, compared to $50.0 million at June 30, 2025 as FHLB borrowings were repaid with excess cash from core deposit growth and sale of investment securities. Asset Quality • Allowance for credit losses was 2.14% of total loans held for investment at September 30, 2025, compared to 2.38% at the prior quarter-end. Performing office coverage was 11.36% at quarter-end; as compared to 11.54% at the prior quarter-end.

4 • Net charge-offs were $140.8 million for the quarter compared to $83.9 million in the second quarter of 2025. • Nonperforming assets were $133.3 million at September 30, 2025. ◦ NPAs as a percentage of assets were 1.23% at September 30, 2025, compared to 2.16% at the prior quarter-end. At September 30, 2025, other real estate owned consisted of 6 properties with an aggregate carrying value of $14.7 million. ◦ Loans 30-89 days past due were $29.1 million at September 30, 2025, compared to $34.7 million at the prior quarter-end. Capital • Total shareholders' equity was $1.1 billion at September 30, 2025, down 5.2% from the prior quarter-end. The decrease in shareholders' equity of $61.6 million was primarily due to quarterly losses that reduced capital. • Book value per share and tangible book value per share3 were $37.00 and $37.00, down 5.2% 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, 2025 as compared to the three months ended June 30, 2025 and September 30, 2024, 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, 2024, 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 four 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 2025 financial results on Thursday, October 23, 2025 at 10:00 a.m. Eastern Time. The listen-only webcast can be accessed at: • https://edge.media-server.com/mmc/p/yiqohzt3/ • For analysts who wish to participate in the conference call, please register at the following URL: https://register-conf.media-server.com/register/BI6d1c218e6b0143a6903a372200e40cc7 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.

5 • A replay of the conference call will be available on the Company's website through 11/06/2025: https://www.eaglebankcorp.com/ 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, 2024 and in other periodic and current reports filed with the SEC, including the Company's Quarterly Reports on Form 10-Q for the first and second quarters. 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.

6 Eagle Bancorp, Inc. Consolidated Statements of Operations (Unaudited) (Dollars in thousands, except per share data) Three Months Ended September 30, June 30, September 30, 2025 2025 2024 Interest Income Interest and fees on loans $ 123,704 $ 125,223 $ 139,836 Interest and dividends on investment securities 10,527 11,436 12,578 Interest on balances with other banks and short-term investments 15,850 14,760 21,296 Interest on federal funds sold 22 24 103 Total interest income 150,103 151,443 173,813 Interest Expense Interest on deposits 79,385 78,912 81,190 Interest on customer repurchase agreements 202 250 332 Interest on other short-term borrowings 332 2,489 20,448 Interest on long-term borrowings 2,025 2,016 — Total interest expense 81,944 83,667 101,970 Net Interest Income 68,159 67,776 71,843 Provision for Credit Losses 113,215 138,159 10,094 Provision (Reversal) for Credit Losses for Unfunded Commitments (38) 1,759 (1,593) Net Interest Income After Provision for Credit Losses (45,018) (72,142) 63,342 Noninterest Income Service charges on deposits 1,773 1,771 1,747 Gain (loss) on sale of loans (3,550) — 20 Net gain (loss) on sale of investment securities (1,982) (1,854) 3 Increase in cash surrender value of bank-owned life insurance 5,293 5,161 731 Other income 961 1,336 4,450 Total noninterest income 2,495 6,414 6,951 Noninterest Expense Salaries and employee benefits 21,290 21,940 21,675 Premises and equipment expenses 2,944 3,019 2,794 Marketing and advertising 1,316 1,144 1,588 Data processing 3,950 4,293 3,435 Legal, accounting and professional fees 2,396 1,550 3,433 FDIC insurance 6,665 8,077 7,399 Other expenses 3,336 3,447 3,290 Total noninterest expense 41,897 43,470 43,614 Income (Loss) Before Income Tax Expense (84,420) (109,198) 26,679 Income Tax Expense (Benefit) (16,907) (39,423) 4,864 Net (Loss) Income $ (67,513) $ (69,775) $ 21,815 (Loss) Earnings Per Common Share Basic $ (2.22) $ (2.30) $ 0.72 Diluted $ (2.22) $ (2.30) $ 0.72

7 Eagle Bancorp, Inc. Consolidated Balance Sheets (Unaudited) (Dollars in thousands, except per share data) September 30, June 30, September 30, 2025 2025 2024 Assets Cash and due from banks $ 7,938 $ 14,005 $ 16,383 Federal funds sold 1,457 4,091 9,610 Interest-bearing deposits with banks and other short-term investments 841,372 239,237 584,491 Investment securities available-for-sale at fair value (amortized cost of $1,161,644, $1,271,179, and $1,550,038 respectively, and allowance for credit losses of $—, $—, and $17, respectively) 1,073,412 1,170,489 1,433,006 Investment securities held-to-maturity at amortized cost, net of allowance for credit losses of $1,199, $1,229, and $1,237 respectively (fair value of $786,662, $799,136, and $868,425 respectively) 872,418 896,855 961,925 Federal Reserve and Federal Home Loan Bank stock 28,306 30,613 37,728 Loans held for sale 136,506 37,576 — Loans 7,304,679 7,721,664 7,970,269 Less: allowance for credit losses (156,228) (183,796) (111,867) Loans, net 7,148,451 7,537,868 7,858,402 Premises and equipment, net 10,503 7,103 8,291 Operating lease right-of-use assets 29,791 31,202 15,167 Deferred income taxes 77,362 80,731 74,381 Bank-owned life insurance 330,426 325,174 115,064 Other real estate owned 14,684 2,459 2,743 Other assets 242,876 223,928 167,861 Total Assets $ 10,815,502 $ 10,601,331 $ 11,285,052 Liabilities and Shareholders' Equity Liabilities Deposits: Noninterest-bearing demand $ 1,577,197 $ 1,532,132 $ 1,609,823 Interest-bearing transaction 932,500 895,604 903,300 Savings and money market 3,702,579 3,267,630 3,316,819 Time deposits 3,251,283 3,424,241 2,710,908 Total deposits 9,463,559 9,119,607 8,540,850 Customer repurchase agreements 13,725 23,442 32,040 Other short-term borrowings — 50,000 1,240,000 Long-term borrowings 76,346 76,264 75,812 Operating lease liabilities 36,278 37,297 18,755 Reserve for unfunded commitments 4,886 4,925 5,060 Other liabilities 97,232 104,729 147,111 Total Liabilities 9,692,026 9,416,264 10,059,628 Shareholders' Equity Common stock, par value $0.01 per share; shares authorized 100,000,000, shares issued and outstanding 30,366,555, 30,364,983, and 30,173,200 respectively 300 300 298 Additional paid-in capital 389,305 388,927 382,284 Retained earnings 831,685 904,205 967,019 Accumulated other comprehensive loss (97,814) (108,365) (124,177) Total Shareholders' Equity 1,123,476 1,185,067 1,225,424 Total Liabilities and Shareholders' Equity $ 10,815,502 $ 10,601,331 $ 11,285,052

8 Loan Mix and Asset Quality (Dollars in thousands) September 30, June 30, September 30, 2025 2025 2024 Amount % Amount % Amount % Loan Balances - Period End: Commercial $ 1,217,805 17 % $ 1,207,512 15 % $ 1,154,349 14 % PPP loans 103 — % 164 — % $ 348 — % Income producing - commercial real estate 3,453,033 47 % 3,768,884 48 % $ 4,155,120 52 % Owner occupied - commercial real estate 1,494,711 20 % 1,365,901 18 % $ 1,276,240 16 % Real estate mortgage - residential 44,684 1 % 45,921 1 % $ 57,223 1 % Construction - commercial and residential 1,010,367 14 % 1,211,728 16 % $ 1,174,591 15 % Construction - C&I (owner occupied) 33,378 — % 69,554 1 % $ 100,662 1 % Home equity 49,333 1 % 49,224 1 % $ 51,567 1 % Other consumer 1,265 — % 2,776 — % $ 169 — % Total loans $ 7,304,679 100 % $ 7,721,664 100 % $ 7,970,269 100 % Three Months Ended or As Of September 30, June 30, September 30, 2025 2025 2024 Asset Quality: Nonperforming loans $ 118,647 $ 226,420 $ 134,371 Other real estate owned 14,684 2,459 2,743 Nonperforming assets $ 133,331 $ 228,879 $ 137,114 Net charge-offs $ 140,813 $ 83,877 $ 5,303 Special mention $ 423,685 $ 173,311 $ 364,983 Substandard $ 534,789 $ 702,128 $ 391,301

9 Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields And Rates vs. Prior Quarter (Unaudited) (Dollars in thousands) Three Months Ended September 30, 2025 June 30, 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 $ 1,447,944 $ 15,952 4.37 % $ 1,375,782 $ 14,749 4.30 % Loans held for sale (1) 19,441 389 7.94 % 15,418 284 7.39 % Loans (1) (2) 7,648,459 123,315 6.40 % 7,942,333 124,939 6.31 % Investment securities available-for-sale (2) 1,134,993 5,866 2.05 % 1,233,206 6,491 2.11 % Investment securities held-to-maturity (2) 884,779 4,661 2.09 % 918,083 4,945 2.16 % Federal funds sold 1,927 22 4.53 % 2,184 24 4.41 % Total interest earning assets 11,137,543 150,205 5.35 % 11,487,006 151,432 5.29 % Noninterest earning assets 658,014 635,125 Less: allowance for credit losses (198,158) (133,036) Total noninterest earning assets 459,856 502,089 TOTAL ASSETS $ 11,597,399 $ 11,989,095 LIABILITIES AND SHAREHOLDERS' EQUITY Interest bearing liabilities: Interest-bearing transaction $ 1,391,316 $ 10,824 3.09 % $ 1,489,056 $ 9,982 2.69 % Savings and money market 3,576,595 30,875 3.42 % 3,461,918 29,634 3.43 % Time deposits 3,312,333 37,686 4.51 % 3,367,907 39,296 4.68 % Total interest bearing deposits 8,280,244 79,385 3.80 % 8,318,881 78,912 3.80 % Customer repurchase agreements 25,557 202 3.14 % 34,387 250 2.92 % Derivative collateral liability 9,225 102 4.39 % 12,710 118 3.72 % Other short-term borrowings 29,350 332 4.49 % 245,291 2,360 3.86 % Long-term borrowings 76,318 2,025 10.52 % 76,236 2,016 10.61 % Total interest bearing liabilities 8,420,694 82,046 3.87 % 8,687,505 83,656 3.86 % Noninterest bearing liabilities: Noninterest bearing demand 1,882,971 1,907,214 Other liabilities 111,586 142,124 Total noninterest bearing liabilities 1,994,557 2,049,338 Shareholders' equity 1,182,148 1,252,252 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 11,597,399 $ 11,989,095 Net interest income $ 68,159 $ 67,776 Net interest spread 1.48 % 1.43 % Net interest margin 2.43 % 2.37 % Cost of funds 3.16 % 3.17 % (1) Loans placed on nonaccrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $3.7 million and $3.6 million for the three months ended September 30, 2025 and June 30, 2025, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments.

10 Eagle Bancorp, Inc. Consolidated Average Balances, Interest Yields And Rates vs. Year Ago Quarter (Unaudited) (Dollars in thousands) Three Months Ended September 30, 2025 2024 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 $ 1,447,944 $ 15,952 4.37 % $ 1,577,464 $ 21,296 5.37 % Loans held for sale (1) 19,441 389 7.94 % 4,936 1 0.08 % Loans (1) (2) 7,648,459 123,315 6.40 % 8,026,524 139,835 6.93 % Investment securities available-for-sale (2) 1,134,993 5,866 2.05 % 1,479,598 7,336 1.97 % Investment securities held-to-maturity (2) 884,779 4,661 2.09 % 974,366 5,242 2.14 % Federal funds sold 1,927 22 4.53 % 10,003 103 4.10 % Total interest earning assets 11,137,543 150,205 5.35 % 12,072,891 173,813 5.73 % Noninterest earning assets 658,014 397,007 Less: allowance for credit losses (198,158) (108,998) Total noninterest earning assets 459,856 288,009 TOTAL ASSETS $ 11,597,399 $ 12,360,900 LIABILITIES AND SHAREHOLDERS' EQUITY Interest bearing liabilities: Interest-bearing transaction $ 1,391,316 $ 10,824 3.09 % $ 1,656,676 $ 14,596 3.51 % Savings and money market 3,576,595 30,875 3.42 % 3,254,128 34,896 4.27 % Time deposits 3,312,333 37,686 4.51 % 2,517,944 31,698 5.01 % Total interest bearing deposits 8,280,244 79,385 3.80 % 7,428,748 81,190 4.35 % Customer repurchase agreements 25,557 202 3.14 % 38,045 332 3.47 % Derivative collateral liability 9,225 102 4.39 % — — — % Other short-term borrowings 29,350 332 4.49 % 1,615,867 20,448 5.03 % Long-term borrowings 76,318 2,025 10.52 % 824 — — % Total interest bearing liabilities 8,420,694 82,046 3.87 % 9,083,484 101,970 4.47 % Noninterest bearing liabilities: Noninterest bearing demand 1,882,971 1,915,666 Other liabilities 111,586 160,272 Total noninterest bearing liabilities 1,994,557 2,075,938 Shareholders' equity 1,182,148 1,201,477 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 11,597,399 $ 12,360,899 Net interest income $ 68,159 $ 71,843 Net interest spread 1.48 % 1.26 % Net interest margin 2.43 % 2.37 % Cost of funds 3.16 % 3.69 % (1) Loans placed on nonaccrual status are included in average balances. Net loan fees and late charges included in interest income on loans totaled $3.7 million and $3.9 million for the three months ended September 30, 2025 and 2024, respectively. (2) Interest and fees on loans and investments exclude tax equivalent adjustments.

11 Eagle Bancorp, Inc. Statements of Operations and Highlights Quarterly Trends (Unaudited) (Dollars in thousands, except per share data) Three Months Ended September 30, 2025 June 30, 2025 March 31, 2025 December 31, 2024 September 30, 2024 June 30, 2024 March 31, 2024 December 31, 2023 Income Statements: Total interest income $ 150,103 $ 151,443 $ 153,878 $ 168,417 $ 173,813 $ 169,731 $ 175,602 $ 167,421 Total interest expense 81,944 83,667 88,229 97,623 101,970 98,378 100,904 94,429 Net interest income 68,159 67,776 65,649 70,794 71,843 71,353 74,698 72,992 Provision for credit losses 113,215 138,159 26,255 12,132 10,094 8,959 35,175 14,490 Provision (reversal) for credit losses for unfunded commitments (38) 1,759 (297) (1,598) (1,593) 608 456 (594) Net interest income after provision for credit losses (45,018) (72,142) 39,691 60,260 63,342 61,786 39,067 59,096 Noninterest income before investment gain 4,477 8,268 8,203 4,063 6,948 5,329 3,585 2,891 Net gain on sale of investment securities (1,982) (1,854) 4 4 3 3 4 3 Total noninterest income 2,495 6,414 8,207 4,067 6,951 5,332 3,589 2,894 Salaries and employee benefits 21,290 21,940 21,968 22,597 21,675 21,770 21,726 18,416 Premises and equipment expenses 2,944 3,019 3,203 2,635 2,794 2,894 3,059 2,967 Marketing and advertising 1,316 1,144 1,371 1,340 1,588 1,662 859 1,071 Goodwill impairment — — — — — 104,168 — — Other expenses 16,347 17,367 18,909 17,960 17,557 15,997 14,353 14,644 Total noninterest expense 41,897 43,470 45,451 44,532 43,614 146,491 39,997 37,098 (Loss) income before income tax expense (84,420) (109,198) 2,447 19,795 26,679 (79,373) 2,659 24,892 Income tax expense (16,907) (39,423) 772 4,505 4,864 4,429 2,997 4,667 Net (loss) income (67,513) (69,775) 1,675 15,290 21,815 (83,802) (338) 20,225 Per Share Data: (Loss) earnings per weighted average common share, basic $ (2.22) $ (2.30) $ 0.06 $ 0.51 $ 0.72 $ (2.78) $ (0.01) $ 0.68 (Loss) earnings per weighted average common share, diluted $ (2.22) $ (2.30) $ 0.06 $ 0.50 $ 0.72 $ (2.78) $ (0.01) $ 0.67 Weighted average common shares outstanding, basic 30,367,997 30,373,167 30,275,001 30,199,433 30,173,852 30,185,609 30,068,173 29,925,557 Weighted average common shares outstanding, diluted 30,367,997 30,510,847 30,404,262 30,321,644 30,241,699 30,185,609 30,068,173 29,966,962 Actual shares outstanding at period end 30,366,555 30,364,983 30,368,843 30,202,003 30,173,200 30,180,482 30,185,732 29,925,612 Book value per common share at period end $ 37.00 $ 39.03 $ 40.99 $ 40.60 $ 40.61 $ 38.75 $ 41.72 $ 42.58 Tangible book value per common share at period end (1) $ 37.00 $ 39.03 $ 40.99 $ 40.59 $ 40.61 $ 38.74 $ 38.26 $ 39.08 Dividend per common share $ 0.010 $ 0.165 $ 0.165 $ — $ 0.165 $ 0.45 $ 0.45 $ 0.45 Performance Ratios (annualized): Return on average assets (2.31) % (2.33) % 0.06 % 0.48 % 0.70 % (2.73) % (0.01) % 0.65 % Return on average common equity (22.66) % (22.35) % 0.55 % 4.94 % 7.22 % (26.67) % (0.11) % 6.48 % Return on average tangible common equity (1) (22.66) % (22.35) % 0.55 % 4.94 % 7.22 % (28.96) % (0.11) % 7.08 % Net interest margin 2.43 % 2.37 % 2.28 % 2.29 % 2.37 % 2.40 % 2.43 % 2.45 % Efficiency ratio (1)(2) 59.30 % 58.60 % 61.50 % 59.50 % 55.40 % 191.00 % 51.10 % 48.90 % Other Ratios: Allowance for credit losses to total loans (3) 2.14 % 2.38 % 1.63 % 1.44 % 1.40 % 1.33 % 1.25 % 1.08 % Allowance for credit losses to total nonperforming loans 131.67 % 81.17 % 64.59 % 54.81 % 83.25 % 110.06 % 108.76 % 131.16 % Nonperforming assets to total assets 1.23 % 2.16 % 1.79 % 1.90 % 1.22 % 0.88 % 0.79 % 0.57 % Net charge-offs (recoveries) (annualized) to average total loans (3) 7.36 % 4.22 % 0.57 % 0.48 % 0.26 % 0.11 % 1.07 % 0.60 % Tier 1 capital (to average assets) 10.40 % 10.63 % 11.11 % 10.74 % 10.77 % 10.58 % 10.26 % 10.73 % Total capital (to risk weighted assets) 14.83 % 15.27 % 15.86 % 15.86 % 15.51 % 15.07 % 14.87 % 14.79 % Common equity tier 1 capital (to risk weighted assets) 13.58 % 14.01 % 14.61 % 14.63 % 14.30 % 13.92 % 13.80 % 13.90 % Tangible common equity ratio (1) 10.39 % 11.18 % 11.00 % 11.02 % 10.86 % 10.35 % 10.03 % 10.12 % Average Balances (in thousands): Total assets $ 11,597,399 $ 11,989,095 $ 12,118,190 $ 12,575,722 $ 12,360,899 $ 12,361,500 $ 12,784,470 $ 12,283,303 Total earning assets $ 11,137,543 $ 11,487,006 $ 11,640,162 $ 12,303,940 $ 12,072,891 $ 11,953,446 $ 12,365,497 $ 11,837,722 Total loans (2) $ 7,648,459 $ 7,942,333 $ 7,933,695 $ 7,971,907 $ 8,026,524 $ 8,003,206 $ 7,988,941 $ 7,963,074 Total deposits $ 10,163,215 $ 10,226,095 $ 9,883,233 $ 10,056,463 $ 9,344,414 $ 9,225,266 $ 9,501,661 $ 9,471,369 Total borrowings $ 131,225 $ 355,914 $ 794,940 $ 1,118,276 $ 1,654,736 $ 1,721,283 $ 1,832,947 $ 1,401,917 Total shareholders' equity $ 1,182,148 $ 1,252,252 $ 1,242,805 $ 1,230,573 $ 1,201,477 $ 1,263,627 $ 1,289,656 $ 1,238,763 (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.

12 (3) Excludes loans held for sale.

13 GAAP Reconciliation to Non-GAAP Financial Measures (unaudited) (dollars in thousands, except per share data) Three Months Ended September 30, June 30, September 30, 2025 2025 2024 Tangible common equity Common shareholders' equity $ 1,123,476 $ 1,185,067 $ 1,225,424 Less: Intangible assets — (9) (21) Tangible common equity $ 1,123,476 $ 1,185,058 $ 1,225,403 Tangible common equity ratio Total assets $ 10,815,502 $ 10,601,331 $ 11,285,052 Less: Intangible assets — (9) (21) Tangible assets $ 10,815,502 $ 10,601,322 $ 11,285,031 Tangible common equity ratio 10.39 % 11.18 % 10.86 % Per share calculations Book value per common share $ 37.00 $ 39.03 $ 40.61 Less: Intangible book value per common share $ — $ — $ — Tangible book value per common share $ 37.00 $ 39.03 $ 40.61 Shares outstanding at period end 30,366,555 30,364,983 30,173,200 Average tangible common equity Average common shareholders' equity $ 1,182,148 $ 1,252,252 $ 1,201,477 Less: Average intangible assets — (11) (24) Average tangible common equity $ 1,182,148 $ 1,252,241 $ 1,201,453 Return on average tangible common equity Net (loss) income $ (67,513) $ (69,775) $ 21,815 Return on average tangible common equity (22.66) % (22.35) % 7.22 % Efficiency ratio Net interest income $ 68,159 $ 67,776 $ 71,843 Noninterest income 2,495 6,414 6,951 Operating revenue $ 70,654 $ 74,190 $ 78,794 Noninterest expense $ 41,897 $ 43,470 $ 43,614 Efficiency ratio 59.30 % 58.59 % 55.35 % Pre-provision net revenue Net interest income $ 68,159 $ 67,776 $ 71,843 Noninterest income 2,495 6,414 6,951 Less: Noninterest expense (41,897) (43,470) (43,614) Pre-provision net revenue $ 28,757 $ 30,720 $ 35,180 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

14 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 efficiency ratio is a non-GAAP measure calculated by dividing GAAP noninterest expense by the sum of GAAP net interest income and GAAP noninterest income. The efficiency ratio measures a bank's overhead as a percentage of its revenue. The Company believes that reporting the non-GAAP efficiency ratio more closely measures its effectiveness of controlling operational activities. 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.

3rd Quarter 2025 Earnings Presentation EagleBankCorp.com October 22, 2025 Scan for digital version

Forward Looking Statements 2 This presentation contains forward looking statements within the meaning of the Securities and 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, 2024, 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 factors 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, 2024 and our Quarterly Report on Form 10-Q for the quarters ended March 31, 2025 and June 30, 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

Attractive Washington DC Footprint 3 One-of-a-kind Market 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. Attractive Demographics Household income in our markets is well above the national average and that of all Mid-Atlantic states. Advantageous Competitive Landscape Eagle is one of the largest community banks headquartered in the Washington DC metro area and ranked 3rd by deposits in the DC MSA for banks with less than $100 billion in assets. 1 - Source: FDIC Deposit Market Share Reports - Summary of Deposits

Eagle at a Glance 4 Total Assets $ billion Total Loans $ billion Total Deposits $ billion Tangible Common Equity $ billion Shares Outstanding (at close September 30, 2025) 30,366,555 Market Capitalization (at close October 21, 2025) $591 million Tangible Book Value per Common Share $37.00 Institutional Ownership 76% Member of Russell 2000 yes Member of S&P SmallCap 600 yes Note: Financial data as of September 30, 2025 unless otherwise noted. 1 - Equity was $1.1 billion and book value was $37.00 per share. Please refer to the Non-GAAP reconciliation in the appendix. 2 - Based on October 21, 2025 closing price of $19.46 per share and September 30, 2025 shares outstanding. 1 1 2

5 NOTE: Data at or for the quarter ended September 30, 2025 1 - Please refer to the Non-GAAP reconciliation in the appendix. 2 - Includes cash and cash equivalents. • Best-in-Class Capital Levels o CET1 Ratio = 13.58% Top quartile of all bank holding companies with $10 billion in assets or more o TCE / TA¹ = 10.39% o ACL / Gross Loans = 2.14% and ACL / Performing Office Loans = 11.36% • Long-term Strategy to Improve Operating Pre-Provision, Net Revenue (“PPNR”) Across All Interest Rate Environments o Continue the diversification of deposits designed to improve funding profile • Disciplined Cost Structure o Our cost structure is designed to remain disciplined and efficient, allowing us to support core banking operations, enhance profitability, and continue investing in key control functions such as risk management and compliance. o Branch-light, efficient operator. o Noninterest Expense / Average Assets = 1.43% o Efficiency Ratio = 59.3% • Strong Liquidity and Funding Position o Liquidity risk management is central to our strategy. • $5.3 billion in combined on-balance sheet liquidity2 and available borrowing capacity as of quarter-end, significantly exceeding our $2.3 billion in uninsured deposits and providing a coverage ratio of 230%. • This strong liquidity profile positions Eagle to respond proactively to market shifts and support our strategy to grow C&I lending. o Uninsured deposits only represent 24% of total deposits, having a weighted average relationship with EagleBank of over 8 years. • Capitalizing on Our Desirable Geography o The DMV has a robust and diverse economy including education, healthcare, technology, and defense sectors. o Access to a population with high household incomes, leading to more significant deposit base. Core Strengths Supporting Long-Term Performance

Key Levers to Improve Return on Average Assets • Grow and deepen relationship deposits with a focus on franchise enhancement; allowing for reduction of high-cost wholesale and non-core funding • Maintain pricing discipline on loan originations to promote revenue growth • Continue operating efficiency focus and seek out opportunities for positive operating leverage Strategic Initiatives to Enhance Profitability 6 Grow & Diversify C&I team expansion creating platform to accelerate acquisition and deepening of profitable relationships and expand deposit base Ongoing evaluation of strategies to reduce CRE concentration Increasing fee income through cross selling and higher penetration of deposit products Market positioning and resource investment focus that evolve community and customer perceptions of EagleBank towards being a full- service commercial bank Deposits & Funding Building sales behaviors with Treasury sales to deepen deposit relationships to grow fee income Utilize current and past successes to seek out deposit rich sectors and enhance and/or communicate value propositions Leverage existing branch network to drive customer acquisition Operational Excellence Continue investments that enhance operational capabilities and human talent as we strengthen the efficiency and scalability of our platform; all with an eye for maintaining an exceptional client and employee experience Driving effective expense management contributing to the overall strategy of achieving positive operating leverage

10.4% 9.8% 7.8% 7.7% 6.8% 6.7% 6.1% 5.7% 4.9% 4.9% 4.2% 3.8% 3.7% 3.3% 3.1% 2.7% 2.5% 2.2% 2.0% 2.0% Peer 1 Peer 2 EGBN 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 Peer 16 Peer 17 Peer 18 Peer 19 Excess CET1 + ACL / Total Loans Eagle – Capital Levels vs. Peers 7 1-Please refer to the Non-GAAP reconciliation and footnotes in the appendices. Peers are those used in the proxy for the May 2025 annual meeting. Proxy Peers are AMTB, AUB, BHLB, BRKL, BUSE, BY, CNOB, CVBF, DCOM, FFIC, INDB, OCFC, PFS, PPBI, STEL, TMP, UBSI, VBTX, WSFS and data is as of June 30, 2025. EGBN is as of September 30, 2025. Source: S&P Capital IQ Pro and company filings. Strong Capital • Capital ratios are high relative to peers • Excess CET1 (over 9%) plus reserves provides a superior level of coverage when measured against our peers 17.0% 16.5% 14.7% 14.1% 14.1% 13.6% 13.4% 13.4% 12.2% 12.2% 11.9% 11.3% 11.2% 11.1% 11.1% 11.0% 10.4% 10.1% 10.0% 9.8% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 EGBN Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 Peer 16 Peer 17 Peer 18 Peer 19 CET1 Ratio 12.1% 10.9% 10.8% 10.4% 10.4% 10.3% 10.3% 10.1% 10.1% 10.0% 9.1% 8.9% 8.8% 8.7% 8.7% 8.6% 8.1% 8.0% 8.0% 7.9% Peer 1 Peer 2 Peer 3 Peer 4 EGBN Peer 5 Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Peer 12 Peer 13 Peer 14 Peer 15 Peer 16 Peer 17 Peer 18 Peer 19 Tangible Common Equity / Tangible Assets1

55.4% 59.5% 61.5% 58.6% 59.3% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Efficiency Ratio Performance Measures 8 1-Please refer to the Non-GAAP reconciliation and footnotes in the appendices. Return on Average Assets are annualized. For the periods above, return on average common equity was 7.22% (2024Q3), 4.94% (2024Q4), 0.55% (2025Q1), (22.60)% (2025Q2), and (22.66)% (2025Q3); and common equity to assets was 10.86% (2024Q3), 11.02% (2024Q4), 11.00% (2025Q1), and 11.22% (2025Q2), and 10.39% (2025Q3). 7.22% 4.94% 0.55% -22.35% -22.66% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Return on Average Tangible Common Equity1 0.70% 0.48% 0.06% -2.33% -2.31% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Return on Average Assets 10.86% 11.02% 11.00% 11.18% 10.39% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Tangible Common Equity/Tangible Assets1

Net Interest Income 9 NII and NIM Increase Net Interest Income • Net interest income increased $0.4 million quarter over quarter. • Interest income decreased $1.3 million due to lower rates on loans. • Interest expense decreased $1.7 million, driven by lower average short-term borrowings and reduced costs on savings and money market accounts. Margin • The net interest margin ("NIM") increased to 2.43% for the third quarter 2025, compared to 2.37% for the prior quarter, primarily driven by the reduction in interest earning assets associated with a decline in nonaccrual loan balances in the CRE loan portfolio. • Management expects cash flows from the investment portfolio of $120 million for the remainder of 2025 and $250 million in 2026 to be redeployed into higher yielding assets. $71.8 $70.8 $65.6 $67.8 $68.2 2.37% 2.29% 2.28% 2.37% 2.43% 2.10% 2.30% 2.50% 2.70% 2.90% $- $20.0 $40.0 $60.0 $80.0 $100.0 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 (in m ill io n s) Net Interest Income & Margin Net Interest Income NIM

Net Income – Summary 10 Net Income Drivers Net interest income Net interest income increased $0.4 million, primarily driven by lower funding costs on brokered time deposits and a reduction in average short-term borrowings, which outpaced lower interest income on loans. Provision for Credit Losses (“PCL”) Provision for credit losses was $113.2 million for the third quarter of 2025, compared to $138.2 million for the prior quarter. The decrease was primarily driven by lower office-related reserves. Net charge-offs totaled $140.8 million, up from $83.9 million in the second quarter. The provision related to the reserve for unfunded commitments resulted in a reversal of $38.0 thousand, compared to a provision of $1.8 million in the prior quarter, primarily driven by changes in the economic forecast associated with our quantitative model, offset by slightly higher commitments. Noninterest income Noninterest income decreased $3.9 million primarily due to a $3.6 million loss on the sale of two loans and a $2.0 million loss on the sale of investment securities executed to reposition the investment portfolio and reduce higher-cost brokered funding. Noninterest expense Noninterest expense decreased $1.6 million due to decreases in the FDIC assessment as the funding profile of the Bank has improved driving assessment costs down.

2025 & 2026 Outlook 11 1 – The forecasted increase is a % PY YTD Average for the same measure 2 – The forecasted increase is based off forecasted 2025 figures for the same measure 3 – The decline in deposits is reflective of further managing down of brokered deposit balances Other Notes: Excludes loans held for sale. 2025 Outlook and 2026 Outlook represents forward-looking statements and are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Please see “Forward Looking Statements” on page 2. Current 2026 Outlook2Current 2025 Outlook13Q 2025 ActualKey Drivers Balance Sheet 1-4% decrease34-6% increase$10,163 millionAverage deposits 1-3% decrease3-5% decrease$7,648 millionAverage loans 5-7% decrease7-9% decrease$11,138 millionAverage earning assets Income Statement 2.50% - 2.70%2.35% - 2.50%2.43%Net interest margin 20-30% growth27-32% growth$2.5 millionNoninterest income 0 - 2% growth1-3% growth$41.9 millionNoninterest expense 15-20%27-32%20%Period effective tax rate

Deposit Mix and Trend 12 Total Period End Deposits increased $923 million Year-over-Year CDs Savings & money market Interest bearing transaction Noninterest bearing 3.40% 3.28% 3.17% 3.05% 3.10% 5.03% 5.28% 5.75% 5.46% 8.85% 4.47% 4.20% 4.07% 3.86% 3.87% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Cost Analysis Total Deposit Cost Borrowings Total IBL Cost 86.4% 93.8% 93.9% 98.4% 99.1% 13.6% 6.2 % 6.1% 1.6% 0.9% $9,889 $9,730 $9,876 $9,269 $9,554 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 in m ill io ns Deposits & Borrowings Deposits Borrowings (includes customer repos)

$5,344 $2,310 Available Liquidity Uninsured Deposits Robust Liquidity Coverage of Uninsured Deposits Funding & Liquidity 13 Funding & Liquidity Summary Deposits Average deposits decreased $62.9 million for the quarter, attributable to lower balances in time deposit accounts. The long-term strategy for deposits is to increase core deposits and reduce reliance on wholesale funding. Borrowings Other short-term borrowings were $0 at September 30, 2025, representing a $50.0 million decrease from the prior quarter-end. The decline was driven by the pay down of FHLB borrowings, funded by excess cash from core deposit growth and security sales. Ample Access to Liquidity Available liquidity from the FHLB, FRB Discount Window, cash and unencumbered securities is over $5.3 billion. Our available liquidity of $5.5 billion covers uninsured deposits of $2.3 billion by more than 230%. $126 $851 $1,443 $1,718 $1,332 $5,470 Borrowings 6/30/2025 Cash FHLB FRB Discount Window Unencumbered securities Borrowings + Available Liquidity (in m ill io ns ) Significant Available Liquidity

Loan Mix and Trend 14 Commercial Owner-Occupied CRE Construction – comm& residential. Home Equity Other Consumer Construction C&I (owner-occupied) Office Income producing CRE (excluding office if applicable) Note: Excludes loans held for sale.

Asset Quality Metrics 15 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. $10,094 $12,132 $26,255 $138,159 $113,215 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 (in th ou sa nd s) Provision for Credit Losses 1.40% 1.44% 1.63% 2.38% 2.14% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Allowance for Credit Losses/ Loans HFI 0.26% 0.48% 0.57% 4.22% 7.36% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 NCO / Average Loans1 1.22% 1.90% 1.79% 2.16% 1.23% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 NPAs1,2 / Assets

$391 $426 $502 $702 $536 $365 $245 $273 $173 $424 $756 $671 $775 $875 $960 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 (in m ill io ns ) Substandard Special mention % of loans 16 Loan Type and Classification 1-Includes land. Note: Excludes loans held for sale Quarter-over-Quarter Change Special Mention • C&I +$5.3 million • CRE +$245.1 million Substandard • C&I +$3.7 million • CRE -$171.4 million • 78% of substandard loans were current at 9/30/25 Classified and Criticized Loans 74%74%69%82% 88% % performing 9.49% 8.46% 9.76% 11.34% 13.14%

162% 115% 106% 106% 101% 98% 74% 59% 50% 42% 39% 27% Peer 1 Peer 2 Peer 3 Peer 4 Peer 5 EGBN Peer 6 Peer 7 Peer 8 Peer 9 Peer 10 Peer 11 Excess CET1+ACL/ Inc Producing Office Loans 5,039 4,835 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 17 As of September 30, 2025 Note: Proxy Peers are AMTB, AUB, BHLB, BRKL, BUSE, BY, CNOB, CVBF, DCOM, FFIC, INDB, OCFC, PFS, PPBI, STEL, TMP, UBSI, VBTX, WSFS and data is as of June 30, 2025. Peer data only shown if CRE Income Producing Office was disclosed. EGBN is as of September 30, 2025. Source: S&P Capital IQ Pro and company filings. 1 - Class Type is determined based on the latest appraisal designation. Higher Risk Rating (9000) Lower Risk Rating (1000) Office (Weighted Risk Rating) Non-Office (Weighted Risk Rating) Mix and Risk Rating Trend of Total Income Producing CRE Office loan risk ratings have improved, reflecting proactive portfolio management and targeted de- risking initiatives. Non-office ratings reflect impact of multi-family internal risk rating migration. Office Loan Portfolio Detail Inc Producing Office Holdings Declined $263 million Year-over-Year Note: Excludes loans held for sale.

$29 $16 $23 $- $- $- $113 $53 $19 $74 $23 $17 $147 $269 2025 Q4 2026 Q1 2026 Q2 2026 Q3 2026 Q4 2027 2028+ CRE Office - Maturity Schedule Appraisal after 9/30/2024 Appraisal before 9/30/2024 18 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. Note: Excludes loans held for sale. Commentary • Performing Office ACL coverage = 11.36% • Limited exposure to Class B central business district office Office Loan Portfolio: Income Producing Detail

$976 $(187) $(82) $(106) $602 6/30/2023 Charge-Offs Transferred to Held for Sale Paydowns 9/30/2025 (in m ili on s) Income-Producing Office Portfolio Reduction Drivers 19 Inc Producing Office Credit Risk Identification and Reduction Note: Data as of September 30, 2025. • Cycle to date charge offs, transfers to held for sale, paydowns, and existing office reserves represent 45% of June 30, 2023 outstanding balance. • During 3Q, an independent, nationally recognized credit review firm performed an independent credit review, covering 85% of the commercial loan (CRE & C&I) portfolio. • During 3Q, we completed a supplemental internal review of 137 credits totaling $2.9 billion of pass-rated CRE loans, representing 78% of total income-producing CRE, focused on exposures greater than $5 million. The review resulted in 8 credits totaling $262 million being downgraded to criticized or classified status. $69 in Reserves

20 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. Multifamily Loan Portfolio: Income Producing Detail $151 $407 $189 $90 2025 Q4 2026 2027 2028+ (in m ill io ns ) Inc Producing Multi-Family - Maturity Schedule

Total CRE Office Loan Portfolio (Excludes OOCRE & OO Construction) 22 2 Office Loans with Substandard Risk Ratings are on Nonaccrual for a total balance of $34.3 million out of Total NPAs of $133.3 million. Note: Excludes loans held for sale. 1- Loan risk grade categories: 1000 – Prime, 2000 – Excellent (“Excel.”), 3000 – Good, 4000 – Acceptable (“Accept.”), 5000 – Acceptable with Risk (“AwR”), 6000 – Watch, 7000 – Other Assets Especially Mentioned (O.A.E.M.), 8000 – Substandard, 9000 – Doubtful, 9999 - Loss $976 $950 $955 $899 $889 $865 $864 $849 $821 $602 49.3% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 70.0% 80.0% 90.0% 100.0% $0 $200 $400 $600 $800 $1,000 $1,200 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 (in m ill io n s) Trend in Balance and % of CET1 Capital Balance % of CET1 Capital

23 Nonaccrual Loans Credit Resolution Highlights • Of the $212 million inflow, $160 million was still performing as of June 30, 2025, but was moved to held-for-sale during the quarter and therefore not included in the September 30, 2025 nonaccrual total. Of those loans, $99 million was charged off. • $121 million of loans transferred to held for sale using broker opinions of value as the basis for market value despite letters of intent in various stages of negotiation for some loans.

24 Summary of Nonaccrual Loans above $5M Note: Data as of September 30, 2025 and excludes loans held for sale.

25 Summary of Classified and Criticized Loans above $10M 1 - Loan collateral is a project that is either recently completed and in lease up, not yet stabilized, under development, or in process of conversion 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 - Debt Service Coverage Ratio is calculated based on contractual principal and interest payments and only considers cash flow from primary sources of repayment. Note: Excludes loans held for sale.

26 Top 25 Loans 1 – Mixed collateral commercial real estate 2 – Construction in process 3 - 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, 2025 and excludes loans held for sale.

Investment Portfolio 27 Investment Portfolio Strategy • Portfolio positioned to manage liquidity and pledging needs. • Cash flow projected principal only (rates unchanged): o Remainder of 2025 - $120 million o 2026 - $250 million • Total securities down $134 million from 6/30/2025 from sold securities, principal paydowns, maturities received. • Unencumbered securities of $1.33 billion available for pledging. • Sold $38.9 million par value securities yielding 0.84% and used proceeds to pay down brokered funding. Note: Chart is as of period end on an amortized cost basis. AFS / HTM as of September 30, 2025

Tangible Book Value Per Share 28 Per share data is as of period end. Please refer to Non-GAAP reconciliation and footnotes in the appendices

Loan Portfolio - Details 29 Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of September 30, 2025.

Loan Portfolio – Income Producing CRE 30 Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of September 30, 2025.

Loan Portfolio – CRE Construction 31 Note: Loan metrics not inclusive of deferrals, fees and other adjustments. Data as of September 30, 2025.

34 Non-GAAP Reconciliation (unaudited) Tangible common equity to tangible assets (the "tangible common equity ratio"), tangible book value per common share, tangible book value per common share excluding accumulated other comprehensive income (“AOCI”), and the 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 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; to calculate the tangible book value per common share excluding the AOCI, tangible common equity is reduced by the loss on the AOCI before dividing 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. Efficiency ratio is a non-GAAP measure calculated by dividing GAAP non-interest expense by the sum of GAAP net interest income and GAAP non-interest (loss) income. Management believes that reporting the non-GAAP efficiency ratio more closely measures its effectiveness of controlling operational activities. The table above shows the calculation of the efficiency ratio from these GAAP measures. Adjusted PPNR excludes the impact of loan sales in its calculation to provide a clearer view of core operating performance. Management believes this adjusted measure better reflects underlying revenue trends and expense discipline by removing the volatility associated with nonrecurring or opportunistic balance sheet actions. 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.