Eagle Bancorp Montana (EBMT) Investor presentation summary

Institutional profile

• Established in 1922; Opportunity Bank of Montana is the 4th-largest bank headquartered in Montana, with 30 offices statewide.

• Core businesses include retail lending, commercial and agricultural lending, deposits and services, and mortgage origination.

• Commercial bank charter established in 2014; strategy continues the transition from a thrift model.

Franchise expansion and strategy

• Growth has combined organic expansion and acquisitions; the franchise was Montana’s most active bank acquiror over the last decade.

• Acquisitions included First Community Bank, completed in April 2022, and Western Bank of Wolf Point, completed in January 2020.

• Priorities: diversify into C&I, CRE and agriculture; attract lower-cost core deposits; selectively add acquisitions and branches; maintain asset quality and community focus.

Lending and funding

• 9/30/26 loan mix: CRE 46%, agricultural and farmland 18%, residential and construction 12%, C&I 10%, home equity 7%, construction and land development 6%, and consumer 1%.

• Owner-occupied CRE loans were 15% of total loans; CRE portfolio included multifamily 27%, hotels and travel accommodations 11%, office 9%, and nonresidential building lessors 8%.

• 3Q26 deposits: non-interest-bearing accounts 25% and money market and checking accounts 62% of total; deposit costs were 1.44%.