Eagle Bancorp Montana, Inc. (EBMT) Form 8-K — Oct 27, 2026
Eagle Bancorp Montana (NASDAQ: EBMT) reported Q3 2026 net income of $3.0 million, or $0.38 per diluted share, down from $3.7 million ($0.47) in the prior quarter and $3.6 million ($0.46) a year ago, as credit costs spiked. The earnings decline came despite record loan growth of $159.0 million to $1.72 billion and a solid 4.12% net interest margin. The company recorded a $1.9 million provision for credit losses, up sharply from $343,000 in the prior quarter and $62,000 a year ago, and nonperforming loans more than doubled to $8.7 million — though management attributed this to well-collateralized agricultural loans.
Key figures
- Eps
- 0.38
- Revenue
- 25100000
- Net Income
- 3014000
- Total Debt
- 196759000
- Total Assets
- 2282025000
- Cash Position
- 24859000
- Dividend Per Share
- 0.1475
- Shares Outstanding
- 7965431
- Nim
- 4.12%
- Roa q3
- 0.55%
- Roe q3
- 6.06%
- Total loans
- 1717378000
- Acl to loans
- 1.13%
- Total deposits
- 1802102000
- Eps nine months
- 1.36
- Loan growth qoq
- 159000000
- Provision year ago
- 62000
- Uninsured deposits
- 369300000
- Nonperforming loans
- 8703000
- Avg cost of deposits
- 1.44%
- Book value per share
- 24.12
- Net income nine months
- 10713000
- Net interest income q3
- 19987000
- Provision prior quarter
- 343000
- Efficiency ratio gaap q3
- 77.26%
- Annualized dividend yield
- 2.58%
- Allowance for credit losses
- 19490000
- Tangible book value per share
- 19.44
- Provision for credit losses q3
- 1859000
- Nonperforming loans prior quarter
- 4165000
- Fhlb advances and other borrowings
- 196759000
- Tangible common equity to tangible assets
- 6.90%
AI analysis
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