Eagle Bancorp Montana, Inc.

For the period ended Dec 31, 2025. Filed Mar 9, 2026.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 9, 2026

EBMT$20.58-0.8%Stored close · as of Nov 10, 2026

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Contents

Item 8. Consolidated Statements of Cash Flows

	Years Ended
	December 31,
	2025	2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$14,835	$9,778
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	1,181	518
Depreciation	5,320	5,170
Net amortization of investment securities premiums and discounts	708	1,027
Amortization of mortgage servicing rights	1,937	1,833
Amortization of right-of-use assets	480	498
Amortization of core deposit intangibles	1,194	1,391
Compensation expense related to restricted stock awards	689	523
ESOP compensation expense for allocated shares	404	346
Deferred income tax benefit	(574)	(529)
Net gain on sale of loans	(7,723)	(6,741)
Originations of loans held-for-sale	(225,114)	(214,323)
Proceeds from sales of loans held-for-sale	237,149	217,772
Net loss on sale of real estate owned and other repossessed assets	10	6
Net gain on sale/disposal of premises and equipment	(153)	(17)
Net realized loss on sales of available-for-sale securities	-	141
Net appreciation in cash surrender value of life insurance	(1,511)	(3,036)
Net change in:
Accrued interest and dividends receivable	(1,558)	(405)
Other assets	2,753	527
Accrued expenses and other liabilities	3,100	14,060
Net cash provided by operating activities	33,127	28,539
CASH FLOWS FROM INVESTING ACTIVITIES:
Activity in available-for-sale securities:
Sales	-	14,121
Maturities, principal payments and calls	27,117	21,145
Purchases	(7,043)	(10,980)
FHLB stock redeemed	5,128	1,413
Loan origination and principal collection, net	1,303	(36,204)
Purchase of bank owned life insurance	-	(3,275)
Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans	40	3
Insurance proceeds related to premises and equipment	76	-
Proceeds from sale of premises and equipment	125	60
Purchases of premises and equipment, net	(4,782)	(14,080)
Net cash provided by (used in) investing activities	21,964	(27,797)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	100,371	46,033
Net short-term payments on FHLB and other borrowings	(32,908)	(107,724)
Advances on long-term FHLB and other borrowings	35,000	135,000
Payments on long-term FHLB and other borrowings	(105,000)	(62,083)
Repayment of subordinated debentures	(15,000)	-
Purchase of treasury stock	(1,573)	(419)
Dividends paid	(4,578)	(4,535)
Net cash (used in) provided by financing activities	(23,688)	6,272
NET INCREASE IN CASH AND CASH EQUIVALENTS	31,403	7,014
CASH AND CASH EQUIVALENTS, beginning of period	31,559	24,545
CASH AND CASH EQUIVALENTS, end of period	$62,962	$31,559

	Years Ended
	December 31,
	2025	2024
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid during the year for interest	$37,118	$37,910
Cash paid during the year for income taxes, net of refunds	3,157	549
NON-CASH OPERATING, INVESTING AND FINANCING ACTIVITIES:
Increase (decrease) in fair value of securities available-for-sale	$9,879	$(273)
Mortgage servicing rights recognized	1,604	1,356
Right-of-use assets obtained (used) in exchange for lease liabilities	5	(151)
Loans transferred to real estate and other assets acquired in foreclosure	103	49
Decrease in commitments to invest in Low-Income Housing Tax Credit projects	(49)	(2,445)

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.