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Eagle Bancorp Montana (EBMT) investor relations material
Eagle Bancorp Montana Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income for Q2 2025 was $3.24 million, up 86.2% year-over-year; six-month net income was $6.48 million, up 78.1% year-over-year.
Net interest income rose 16.1% to $18.15 million for Q2 2025, driven by higher loan yields and balances, and lower interest expense.
Loans and deposits both grew, with net interest margin expansion and a stable core deposit base.
Shareholders' equity increased 3.4% to $180.64 million, reflecting net income and reduced unrealized losses on securities.
Quarterly cash dividend increased to $0.145 per share, annualized yield of 3.32%.
Financial highlights
Net interest margin for Q2 2025 was 3.91%, up 50 bps year-over-year and 17 bps sequentially.
Interest and dividend income for Q2 2025 was $27.15 million, up 5.1% year-over-year; for six months, $53.22 million, up 4.8%.
Noninterest income rose 12.6% to $4.81 million in Q2 2025, mainly from mortgage banking gains.
Noninterest expense increased 3.6% to $17.93 million in Q2 2025, mainly due to higher salaries and commissions.
Provision for credit losses was $1.04 million in Q2 2025, up from $412,000 year-over-year.
Outlook and guidance
Management expects further improvement in funding costs and net interest margin.
Anticipates moderation in deposit pricing as maturing certificates reprice at lower rates.
Cautious outlook due to potential inflationary pressures and new tariffs.
The company is evaluating the impact of recent tax legislation on future income tax expense.
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Next Eagle Bancorp Montana earnings date
Q3 20253 Nov, 2025
Next Eagle Bancorp Montana earnings date
Q3 20253 Nov, 2025
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Frequently asked questions
Eagle Bancorp Montana, Inc. is the bank holding company for Opportunity Bank of Montana. It provides a wide range of retail banking services to small businesses and individuals across Montana. The company offers various deposit products, including checking, savings, money market accounts, individual retirement accounts, and certificates of deposit. It also provides loans such as residential and commercial real estate loans, consumer loans, and commercial business loans. Additionally, Eagle Bancorp Montana offers mortgage loan services and agricultural loans. The company operates multiple full-service branches and ATMs across the state. Eagle Bancorp Montana, Inc. is headquartered in Helena, Montana, and its shares are listed on the NASDAQ.
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