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Eagle Bancorp Montana (EBMT) investor relations material
Eagle Bancorp Montana Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net income for Q3 2025 was $3.63 million, up 34% year-over-year; nine-month net income rose 59% to $10.11 million compared to the same period in 2024.
Net income for Q3 2025 was $3.6 million ($0.46 per diluted share), up from $2.7 million in Q3 2024; year-to-date net income reached $10.1 million ($1.29 per diluted share), up from $6.3 million in 2024.
Net interest income increased 18.3% for the quarter and 15.2% for the nine months, driven by higher loan yields and lower interest expense.
Total assets grew to $2.12 billion, up 0.8% from year-end 2024; loans receivable, net increased 2.4% to $1.54 billion.
Quarterly cash dividend of $0.145 per share declared, annualized yield of 3.41%.
Financial highlights
Net interest margin for Q3 2025 was 3.94%, up 60 bps year-over-year; nine-month NIM was 3.86%, up 50 bps.
Revenues increased 2.0% from Q2 2025 and 12.6% year-over-year to $23.4 million.
Noninterest income for Q3 was $4.72 million, down 5.3% year-over-year, mainly due to lower life insurance gains; mortgage banking income increased.
Noninterest expense rose 6.5% year-over-year, primarily from higher salaries and benefits.
Basic EPS for Q3 was $0.47 (diluted $0.46); nine-month basic EPS was $1.30 (diluted $1.29).
Outlook and guidance
Management continues to focus on growing net interest margin, fee income, and controlling expenses.
Easing in deposit pricing expected as CDs reprice at lower yields following recent rate cuts.
Ongoing focus on operational discipline, balance sheet strength, and navigating the rate environment.
What drove Q3 credit quality improvement?
Impact of reduced FHLB and brokered CDs?
Outlook for NIM given rate environment?
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Next Eagle Bancorp Montana earnings date
Q4 202522 Jan, 2026
Next Eagle Bancorp Montana earnings date
Q4 202522 Jan, 2026
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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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