Eagle Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Eagle Bank (FDIC Cert #90191) at 84/100 for bank stress — a severe level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

County by county, that footprint includes Middlesex County, MA, Essex County, MA, Suffolk County, MA, among others DLRadar tracks parcel by parcel. DLRadar does not model Eagle Bank in isolation: the 164-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Eagle Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Eagle Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 84/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. The combination of a severe reading and a compact footprint is what makes Eagle Bank worth watching as a supply signal. Eagle Bank runs a compact, single-state real-estate lending footprint — 3 U.S. counties across 1 state, spanning 164 ZIP codes. Its heaviest exposure sits in Massachusetts (3 counties). Because Eagle Bank is held under Eagle Bcorp Mhc, its financials are open to scrutiny and its trend can be independently checked. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later.

For buyers, lender stress is an early map of supply: when Eagle Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. The result is an early, auditable read on supply, every figure anchored to public data.