Eagle Bancorp Montana ( (EBMT) ) has released its Q2 earnings. Here is a breakdown of the information Eagle Bancorp Montana presented to its investors.
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Eagle Bancorp Montana, Inc., a bank holding company headquartered in Helena, Montana, operates Opportunity Bank of Montana, serving consumers and small businesses through 30 banking offices across the state. In the second quarter of 2025, Eagle Bancorp Montana reported a net income of $3.2 million, or $0.41 per diluted share, consistent with the previous quarter, and a significant increase from $1.7 million, or $0.22 per diluted share, in the same quarter of the previous year. The company also announced an increase in its quarterly cash dividend to $0.145 per share, reflecting a strong financial performance.
Key financial highlights for the second quarter include a 7.4% increase in net interest income to $18.1 million and a 9.7% rise in total revenues to $23.0 million compared to the previous quarter. The net interest margin improved to 3.91%, up from 3.74% in the prior quarter, driven by higher yields on interest-earning assets and a decline in funding costs. Total loans grew by 3.4% year-over-year to $1.57 billion, while total deposits increased by 7.4% to $1.74 billion.
Eagle Bancorp Montana’s balance sheet remains robust, with total assets reaching $2.14 billion, up from $2.10 billion a year ago. The company has maintained a strong capital position, with shareholders’ equity at $180.6 million and a tangible book value per share of $17.86. The bank’s credit quality also showed stability, with nonperforming loans representing 0.32% of total loans and an allowance for credit losses at 1.13% of total loans.
Looking ahead, Eagle Bancorp Montana remains optimistic about its growth prospects, focusing on strengthening its balance sheet and expanding its community banking presence in Montana. Despite market volatility and interest rate fluctuations, the company is well-positioned to drive sustainable growth through the remainder of the year.