EBMT News & Events

Net interest margin was 4.08% in the fourth quarter of 2025, a 14-basis point increase compared to 3.94% in the preceding quarter and a 49-basis point increase compared to the fourth quarter a year ago. Book value per share increased to $24.10 at December 31, 2025, compared to $21.77 a year earlier and $23.45 three months earlier. The Bank's Tier 1 capital to adjusted total average assets was 10.62% as of December 31, 2025. "We finished the year on a high note with excellent fourth quarter results that reflect the strength of our franchise," said Laura F. Clark, President and CEO. "Net income and earnings per share grew compared to both the prior quarter and year-over-year, as we benefited from reduced funding costs, resilient asset yields and continued operational efficiency gains. The expansion in our net interest margin during the fourth quarter further strengthens our earnings profile as we look ahead. Our strong core deposit base and diversified loan portfolio position us well to capitalize on opportunities across our Montana markets, and we remain committed to executing our strategy and delivering long term shareholder value."

Reports Q3 revenue $23.4M, consensus $18.19M. Net interest margin was 3.94% in the third quarter of 2025, a three-basis point increase compared to 3.91% in the preceding quarter and a 60-basis point increase compared to the third quarter a year ago. Book value per share increased to $23.45 at September 30, 2025, compared to $22.17 a year earlier and $22.72 three months earlier. Tangible book value per share increased to $18.63 at September 30, 2025, compared to $17.23 a year earlier and $17.86 three months earlier. The Bank's Tier 1 capital to adjusted total average assets was 10.35% as of September 30, 2025. The ratio of tangible common shareholders' equity to tangible assets was 7.12% at September 30, 2025, up from 6.56% a year ago and 6.77% three months earlier. "Eagle's third-quarter operating performance reflects meaningful progress, with earnings improving over the prior quarter as we benefited from stable funding costs, strong asset yields, and ongoing operational discipline," said Laura Clark, President and CEO. "Our focus on building a stronger balance sheet and growing our community banking footprint across Montana is producing positive outcomes, backed by a resilient core deposit base and a well-diversified loan portfolio. Additionally, we continue to maintain a healthy net interest margin, which supports our ongoing profitability and growth. As we move forward, we remain focused on navigating the rate environment effectively and driving long-term value for our shareholders."

Eagle's board of directors declared a quarterly cash dividend of $0.145 per share on July 24, 2025. The dividend will be payable September 5, 2025, to shareholders of record August 15, 2025. The current dividend represents an annualized yield of 3.32% based on recent market prices.