E
Eagle Bancorp Montana, Inc.
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, a state-chartered commercial bank with 30 branches across Montana serving small businesses and individuals. The Bank provides diversified lending including residential mortgages, commercial real estate loans, agricultural loans, and consumer loans, along with deposit products. Eagle pursues growth through organic expansion and strategic acquisitions of regional Montana banks, operating as a community-oriented financial institution focused on Montana markets.
Summary from 10-K filed 2026-03-09
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | 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 | Trend | 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 | Trend | 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 | — |
Filings
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Frequently asked questions
What is Eagle Bancorp Montana, Inc.'s CIK number?
Eagle Bancorp Montana, Inc.'s SEC CIK number is 0001478454 (1478454). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Eagle Bancorp Montana, Inc.'s SEC filings?
All of Eagle Bancorp Montana, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Eagle Bancorp Montana, Inc. last report earnings?
Eagle Bancorp Montana, Inc. (EBMT) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001171843-26-002773). This is Eagle Bancorp Montana, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.
What is Eagle Bancorp Montana, Inc.'s most recent earnings 8-K?
Eagle Bancorp Montana, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001171843-26-002773. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
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