Eagle Bancorp Montana, Inc.
For the period ended Dec 31, 2025. Filed Mar 9, 2026.
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FY2025 · Filed Mar 9, 2026
EBMT$20.58-0.8%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income
| Years Ended | ||
|---|---|---|
| December 31, | ||
| 2025 | 2024 | |
| INTEREST AND DIVIDEND INCOME: | ||
| Interest and fees on loans | $97,598 | $92,282 |
| Securities available-for-sale | 9,466 | 10,428 |
| FHLB and FRB dividends | 922 | 1,085 |
| Other interest income | 425 | 416 |
| Total interest and dividend income | 108,411 | 104,211 |
| INTEREST EXPENSE: | ||
| Deposits | 27,776 | 27,838 |
| FHLB advances and other borrowings | 4,964 | 10,211 |
| Other long-term debt | 2,774 | 2,724 |
| Total interest expense | 35,514 | 40,773 |
| NET INTEREST INCOME | 72,897 | 63,438 |
| Provision for credit losses | 1,181 | 518 |
| NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | 71,716 | 62,920 |
| NONINTEREST INCOME: | ||
| Service charges on deposit accounts | 1,655 | 1,645 |
| Mortgage banking, net | 10,545 | 10,014 |
| Interchange and ATM fees | 2,620 | 2,540 |
| Appreciation in cash surrender value of life insurance | 1,511 | 2,054 |
| Net loss on sale of available-for-sale securities | - | (141) |
| Other noninterest income | 2,341 | 1,664 |
| Total noninterest income | 18,672 | 17,776 |
| NONINTEREST EXPENSE: | ||
| Salaries and employee benefits | 42,389 | 39,715 |
| Occupancy and equipment expense | 9,311 | 8,531 |
| Data processing | 4,976 | 6,209 |
| Software subscriptions | 2,733 | 2,127 |
| Advertising | 1,288 | 1,312 |
| Amortization | 1,194 | 1,391 |
| Loan costs | 1,400 | 1,567 |
| Federal Deposit Insurance Corporation ("FDIC") insurance premiums | 956 | 1,165 |
| Professional and examination fees | 1,699 | 1,941 |
| Other noninterest expense | 5,549 | 5,348 |
| Total noninterest expense | 71,495 | 69,306 |
| INCOME BEFORE PROVISION FOR INCOME TAXES | 18,893 | 11,390 |
| Provision for income taxes | 4,058 | 1,612 |
| NET INCOME | $14,835 | $9,778 |
| BASIC EARNINGS PER COMMON SHARE | $1.90 | $1.25 |
| DILUTED EARNINGS PER COMMON SHARE | $1.90 | $1.24 |
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