Eagle Bancorp Montana Inc
ebmtinvestor.opportunitybank.comWhat Do They Do?
Provides loans and deposit accounts to small businesses and individuals across Montana, including residential mortgages, business loans and agricultural lending.
10-K for FY2025, filed Mar 9, 2026
How Do They Make Money?
Earns interest on loans and investments, plus fees from mortgage servicing, deposit accounts and debit-card services. Deposit charges arise when transactions or penalties occur or monthly for broader services; debit-card fees track purchase volumes and are earned as services are provided.
10-K for FY2025, filed Mar 9, 2026Our earnings depend primarily on our level of net interest income, which is the difference between interest earned on our interest-earning…View ↗
The Bank receives lending related fee income from a variety of sources. Its principal source of this income is from the origination and…View ↗
Service Charges on Deposit Accounts – Revenue from service charges consists of service charges and fees on deposit accounts under…View ↗
Interchange and ATM Fees – Revenue from debit card fees includes interchange fee income from debit cards processed through card association…View ↗
$108.4M
-
10-K for FY2025, filed Mar 9, 2026
$108.4M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Deposit Account
Mix
10-K for FY2025, filed Mar 9, 2026 |
11%
FY2022: 7.1%
|
Deposit Account, FY2025
$1.7M Sources
|
Mix |
|
Bank Servicing
|
71%
FY2022: 83%
|
Bank Servicing, FY2025
$10.5M Sources
|
|
|
Debit Card
Usage-based
10-K for FY2025, filed Mar 9, 2026 |
18%
FY2022: 10%
|
Debit Card, FY2025
$2.6M Sources
|
Usage-based |
Who Are Their Customers?
Serves mostly small businesses and individuals throughout Montana. Mortgage applicants come through repeat business, walk-ins, referrals from home builders and real estate brokers, and online applications.
10-K for FY2025, filed Mar 9, 2026
Do Revenues Turn Into Profits?
Yes. It kept 14 cents of every revenue dollar as net income in FY2025 and turned 26 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
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May 18, 2026
CEO retirement planned as company splits top roles
The CEO's retirement date has not been determined; P. Darryl Rensmon was appointed president.
Sources
8-K, filed May 18, 2026
On May 18, 2026, Eagle Bancorp Montana, Inc. (the “Company”), the holding company of Opportunity Bank of Montana (the “Bank”), announced…View ↗
Growing. Revenue grew 2.2x in 4 years, from $49.7M in FY2021 to $108.4M in FY2025, about 22% a year.
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