Eagle Bancorp Montana (EBMT) Q3 2026 earnings summary

Executive summary

• Q3 2026 net income was $3.01M, down from $3.63M YoY; 9M net income rose to $10.71M from $10.11M.

• Record loan growth of $159.0M QoQ supported revenue growth and positive momentum entering Q4; total assets reached $2.28B.

Financial highlights

• Q3 net interest income rose 7.0% YoY to $19.99M; 9M net interest income increased 7.6% to $57.83M.

• Q3 revenue increased 3.8% QoQ and 7.2% YoY to $25.1M; 9M revenue rose 8.2% to $72.8M.

• Q3 noninterest income increased 8.1% to $5.10M; diluted EPS was $0.38 versus $0.46 YoY.

• Q3 provision for credit losses was $1.86M versus $343K Q2 and $62K a year ago; noninterest expense rose 5.4% YoY to $19.38M.

• 9M diluted EPS was $1.36 versus $1.29; noninterest income rose 10.7% to $15.00M and expense increased 6.1% to $56.58M.

Outlook and guidance

• Management expects the expanded loan portfolio to support future earnings growth and cited positive momentum entering Q4.

• Priorities include improving NIM, growing fee income, controlling expenses, and loan and deposit pricing to support growth and protect margins.

• Deposit competition and customer demand challenge efficient funding of growth; current liquidity is considered sufficient for anticipated needs, with external funding possible if conditions deteriorate.