Eagle Bancorp Montana, Inc. (EBMT) Form 10-Q — Aug 5, 2026
Eagle Bancorp Montana reported Q2 2026 net income of $3.72 million, up 14.8% from $3.24 million a year earlier, with diluted EPS of $0.47 versus $0.41. Six-month net income rose 18.9% to $7.70 million. Net interest margin expanded 24 basis points year-over-year to 4.15%, driven by a 17% drop in interest expense as borrowings were sharply reduced, while loan yields held nearly steady around 6.24%. The balance sheet grew to $2.13 billion in total assets, with gross loans up $39.32 million to $1.56 billion and deposits at $1.79 billion.
Key figures
- Eps
- 0.47
- Net Income
- 3715000
- Total Debt
- 96610000
- Total Assets
- 2125847000
- Cash Position
- 28960000
- Shares Outstanding
- 7965431
- Total Deposits
- 1790204000
- Total Loans Gross
- 1558344000
- Six Month Net Income
- 7699000
- Tier1 Capital Ratio
- 13.10%
- Uninsured Deposits
- $359.82 million (19.9% of deposits)
- Six Month Diluted Eps
- 0.98
- Dividends Per Share Q2
- 0.145
- Net Interest Income Q2
- 19138000
- Net Interest Margin Q2
- 4.15%
- Nonperforming Loans Ratio
- 0.27%
- Allowance For Credit Losses
- 17640000
- Available Borrowing Capacity
- $574.96 million
- Provision For Credit Losses Q2
- 343000
- Net Interest Margin Prior Year Q2
- 3.91%
Price after filing
Close on the filing date to close N calendar days later (from $23.69). Historical, not a forecast.
AI analysis
The rest of the AI analysis, red flags and sentiment are part of Signal8 Pro.
AI-generated analysis of a public disclosure. Not investment advice; verify against the original document.