Eagle Bancorp Montana, Inc.

Listed Company

EBMTCIK 0001478454NasdaqAcceleratedSmaller ReportingState Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$14.84M

Total Assets

$2.11B

Equity

$191.81M

Shares Out

7.97M

Op. Cash Flow

$33.13M

Business

Eagle Bancorp Montana, Inc. is a bank holding company that owns Opportunity Bank of Montana and related subsidiaries and operates as a full-service community banking organization. It offers loan and deposit services, including residential mortgages, commercial real estate loans, commercial business and agricultural loans, home equity products, consumer loans, mortgage servicing and a range of deposit accounts. Its key operating entities include the Bank, a statutory trust, a financial services subsidiary and a housing fund. The company distributes products through branch offices, ATMs, online applications and secondary market loan sales within Montana and affiliated networks.

Summary from filing dated 2025-03-14

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest income from loans owned for directors, executive officers and their related parties	98	92	79	60	45
Securities available-for-sale	9	10	11	9	4
FHLB and FRB dividends	922,000	1	727,000	302,000	255,000
Other interest income	425,000	416,000	89,000	228,000	120,000
Total interest and dividend income	108	104	92	69	50
Deposits	28	28	18	3	1
FHLB advances and other borrowings	5	10	9	514,000	175,000
Other long-term debt	3	3	3	3	2
Total interest expense	36	41	29	—	—
NET INTEREST INCOME	73	63	62	63	47
Provision for credit losses	−1	−518,000	1	2	861,000
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	72	63	61	61	46
Appreciation in cash surrender value of life insurance	2	2	1	—	—
Net loss on sale of available-for-sale securities	0	−141,000	−222,000	−6,000	23,000
Other noninterest income	2	2	—	—	—
Total noninterest income	19	18	23	26	46
Salaries and employee benefits	42	40	43	45	49
Occupancy and equipment expense	9	9	8	8	6
Data processing	5	6	6	6	5
Software subscriptions	3	2	2	—	—
Advertising	1	1	1	1	1
Amortization	1	1	2	1	573,000
Loan costs	1	2	2	2	3
"Federal Deposit Insurance Corporation (""FDIC"") insurance premiums"	956,000	1	1	559,000	332,000
Professional and examination fees	2	2	2	1	2
Other noninterest expense	6	5	5	6	5
Total noninterest expense	71	69	72	74	73
INCOME BEFORE PROVISION FOR INCOME TAXES	19	11	12	14	19
Income Tax Expense (Benefit)	4	2	2	3	5
NET INCOME	15	10	10	11	14
BASIC EARNINGS PER COMMON SHARE (in dollars per share)	1.9	1.25	1.29	1.45	2.17
DILUTED EARNINGS PER COMMON SHARE (in dollars per share)	1.9	1.24	1.29	1.45	2.17

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	24	30	23	19	11
Interest-bearing deposits in banks	39	2	1	2	44
Total cash and cash equivalents	63	32	25	22	61
Securities available-for-sale, at fair value (amortized cost of $299,162 at December 31, 2025 and $319,939 at December 31, 2024)	282	293	—	—	—
"Federal Home Loan Bank (""FHLB"") stock"	3	8	9	5	2
"Federal Reserve Bank (""FRB"") stock"	4	4	4	4	3
Mortgage loans held-for-sale, at fair value	7	13	11	8	26
Loans receivable, net of allowance for credit losses of $17,370 at December 31, 2025 and $16,850 at December 31, 2024	1,502	1,504	—	—	—
Accrued interest and dividends receivable	14	13	12	11	6
Mortgage servicing rights, net	15	15	16	15	14
Assets held-for-sale, at cost	0	960,000	0	1	0
Property, Plant and Equipment, Net	101	102	94	84	67
Cash surrender value of life insurance, net	55	53	48	48	36
Goodwill	35	35	35	35	21
Core deposit intangible, net	3	4	6	7	2
Deferred tax asset, net	8	10	10	11	0
Other Assets	14	16	19	7	6
Total assets	2,106	2,103	2,076	1,948	1,436
Noninterest-bearing	452	419	419	469	369
Interest-bearing	1,329	1,262	1,216	1,166	854
Total deposits	1,782	1,681	1,635	1,635	1,223
Accrued Liabilities and Other Liabilities	50	47	36	26	21
Federal Funds Purchased	105,000	0	—	—	—
FHLB advances and other borrowings	38	141	176	69	5
Principal amount	45	60	60	60	30
Unamortized debt issuance costs	−705,000	−1	−1	−1	−286,000
Total other long-term debt, net	44	59	59	59	30
Total liabilities	1,915	1,928	1,906	1,790	1,279
COMMITMENTS AND CONTINGENCIES (NOTE 10)	—	—	—	—	—
Preferred stock (par value $0.01 per share; 1,000,000 shares authorized; no shares issued or outstanding)	0	0	0	0	0
Common stock (par value $0.01 per share; 20,000,000 shares authorized; 8,507,429 shares issued at December 31, 2025 and December 31, 2024; 7,957,769 shares outstanding at December 31, 2025 and 8,027,177 shares outstanding at December 31, 2024)	85,000	85,000	85,000	85,000	71,000
Additional paid-in capital	108	108	—	—	—
"Unallocated common stock held by Employee Stock Ownership Plan (""ESOP"")"	−3	−4	−5	−5	−6
Treasury stock, at cost (549,660 shares at December 31, 2025 and 480,252 shares at December 31, 2024)	−12	−11	−11	−11	−7
Retained earnings	112	101	96	92	85
Accumulated other comprehensive loss, net of tax	−13	−20	−20	−26	3
Total shareholders' equity	192	175	169	158	157
Total liabilities and shareholders' equity	2,106	2,103	2,076	1,948	1,436

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation	5	5	4	4	3
Net amortization of investment securities premiums and discounts	708,000	1	1	1	1
Amortization of mortgage servicing rights	2	2	2	2	4
Amortization of right-of-use assets	480,000	498,000	664,000	681,000	628,000
Compensation expense related to restricted stock awards	689,000	523,000	347,000	491,000	439,000
ESOP compensation expense for allocated shares	404,000	346,000	331,000	485,000	588,000
Deferred Income Tax Expense (Benefit)	−574,000	−529,000	−671,000	2	1
Net gain on sale of loans	−8	−7	−11	−19	−46
Originations of loans held-for-sale	−225	−214	−348	−533	−1,041
Proceeds from sales of loans held-for-sale	237	218	354	569	1,116
Net loss on sale of real estate owned and other repossessed assets	10,000	6,000	0	−203,000	−23,000
Net gain on sale/disposal of premises and equipment	−153,000	−17,000	−61,000	−105,000	−70,000
Net appreciation in cash surrender value of life insurance	−2	−3	−1	−1	−721,000
Accrued interest and dividends receivable	−2	−405,000	−1	−3	14,000
Other assets	3	527,000	−10	14,000	4
Accrued expenses and other liabilities	3	14	7	4	−1
Net cash provided by operating activities	33	29	9	42	56
Sales	0	14	34	44	5
Maturities, principal payments and calls	27	21	33	39	11
Purchases	−7	−11	−28	−77	−132
FHLB stock redeemed	5	1	−4	−3	358,000
Loan origination and principal collection, net	1	−36	−131	−234	−99
Purchase of bank owned life insurance	0	−3	1	−2	—
Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans	40,000	3,000	0	535,000	152,000
Insurance proceeds related to premises and equipment	76,000	0	—	—	—
Proceeds from sale of premises and equipment	125,000	60,000	1	845,000	1
Purchases of premises and equipment, net	−5	−14	−14	−17	−12
Net cash provided by (used in) investing activities	22	−28	−108	−235	−233
Net increase in deposits	100	46	−77,000	92	189
Net short-term payments on FHLB and other borrowings	−33	−108	91	69	0
Advances on long-term FHLB and other borrowings	35	135	15	0	0
Payments on long-term FHLB and other borrowings	−105	−62	0	−5	−12
Repayment of subordinated debentures	−15	0	0	−10	0
Purchase of treasury stock	−2	−419,000	−231,000	−4	−6
Dividends paid	−5	−5	−4	−4	−3
Net cash (used in) provided by financing activities	−24	6	102	154	168
NET INCREASE IN CASH AND CASH EQUIVALENTS	31	7	3	−40	−8
Cash paid during the year for interest	37	38	25	5	3
Cash paid during the year for income taxes, net of refunds	3	549,000	—	—	—
Increase (decrease) in fair value of securities available-for-sale	10	−273,000	9	−41	−3
Mortgage servicing rights recognized	2	1	2	4	7
Right-of-use assets obtained (used) in exchange for lease liabilities	5,000	−151,000	11,000	—	—
Loans transferred to real estate and other assets acquired in foreclosure	103,000	49,000	5,000	328,000	108,000
Decrease in commitments to invest in Low-Income Housing Tax Credit projects	−49,000	−2	3	0	—

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