Eagle Bancorp Montana (EBMT) investor relations material

Executive summary

• Net income for Q1 2026 was $4.0 million ($0.51 per diluted share), up from $3.2 million ($0.41 per share) in Q1 2025 but down from $4.7 million ($0.60 per share) in Q4 2025.

• Quarterly cash dividend of $0.145 per share declared, annualized yield of 2.72%.

• Board renewed stock repurchase plan for up to 400,000 shares, about 5% of outstanding shares.

Financial highlights

• Net interest margin (NIM) rose to 4.11% in Q1 2026, up 3 bps sequentially and 37 bps year-over-year.

• Net interest income before provision for credit losses was $18.7 million, down 2.4% sequentially but up 10.7% year-over-year.

• Revenues were $23.6 million, down from $24.3 million in Q4 2025 but up from $20.9 million in Q1 2025.

• Noninterest income was $4.9 million, up 21.5% year-over-year.

• Noninterest expense was $18.2 million, flat sequentially, up 7.1% year-over-year due to higher salaries and benefits.

Outlook and guidance

• Management expects continued momentum in declining deposit costs and further net interest margin expansion if interest rates ease.

• Focus remains on disciplined expense management and capital allocation for long-term growth.