Eagle Bancorp Montana earns $10.7M in YTD 2026
September 30, 2026 balances included $2.28 billion in assets, $1.72 billion in gross loans and $1.80 billion in deposits.
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Rhea-AI Filing Summary
Eagle Bancorp Montana, Inc. (EBMT) presented its business profile and financial information to institutional investors during the first week of November 2026, including at the Hovde Financial Services Conference. The company is the holding company for Opportunity Bank of Montana, which has 30 banking offices in Montana. As of September 30, 2026, Eagle Bancorp Montana reported $2.28 billion in assets, $1.72 billion in gross loans, $1.80 billion in deposits and $192.1 million in total equity.
For year-to-date 2026, it reported $10.7 million in net income, diluted EPS of $1.36, net interest margin of 4.13%, return on average assets of 0.67% and return on average equity of 7.26%. Nonperforming assets were 0.38% of assets as of September 30, 2026. The presentation states that troubled debt restructurings are excluded from nonperforming assets beginning in 2023, following adoption of ASU 2022-02. Its stated strategy includes diversifying commercial, commercial real estate and agricultural lending, attracting lower-cost core deposits, selective acquisitions and branch additions, and maintaining asset quality.
8-K Event Classification
Key Figures
Key Terms
Net Interest Margin financial
Nonperforming Assets/Total Assets financial
Troubled Debt Restructurings financial
Tangible Common Equity Ratio financial
FAQ
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549
FORM
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported):
(Exact name of registrant as specified in its charter)
| (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) |
(Address of principal executive offices)(Zip Code)
Registrant’s telephone number, including area code:
____________________________________________________________
Check the appropriate box if the Form 8-K filing is intended to simultaneously satisfy the reporting obligation of the registrant under any of the following provisions:
| Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
| Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
| Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |
Securities registered pursuant to Section 12(b) of the Act:
| Title of each class | Trading Symbol(s) |
Name of each exchange on which registered |
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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
| Item 7.01 | Regulation FD Disclosure |
Executive officers of Eagle Bancorp Montana, Inc., a Delaware corporation (the “Company”) will make presentations to institutional investors at various meetings during the first week of November 2026. The foregoing description of information contained in the presentation is qualified by reference to such presentation materials attached as Exhibit 99.1. The Company is not undertaking to update this presentation or the information contained therein.
The information contained in and accompanying this Item 7.01 of this Current Report on Form 8-K (including Exhibit 99.1 hereto) is being furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended.
| Item 9.01 | Financial Statements and Exhibits |
(d) The following exhibit is being furnished herewith and this list shall constitute the exhibit index:
| Exhibit No. | Description |
| 99.1 | Investor Presentation of Eagle Bancorp Montana, Inc. |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Date: November 5, 2026 |
EAGLE BANCORP MONTANA, INC. | |
| By: | /s/ Miranda J. Spaulding | |
| Miranda J. Spaulding | ||
| Executive Vice President & CFO | ||
Exhibit 99.1
Hovde Financial Services Conference November 4 - 6, 2026
2 Cautionary Notice Regarding Forward - Looking Statements This presentation includes “forward - looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amen ded, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward - looking statements are based on current expectations, estimates and projections about Eagle Bancorp Montana, I nc.’s business, beliefs of its management and assumptions made by its management. Any statement that does not describe historical or current facts is a forward - looking statement, including stat ements related to our projected growth, our anticipated future financial performance, and management’s long - term performance goals, as well as statements relating to the anticipated effects on results of operations and financial condition from expected developments or events, or business and growth strategies, including projections of future amortization and accretion, the impact of the anti cip ated internal growth and plans to establish or acquire banks. Forward - looking statements are typically identified by words such as “believe,” “expect,” “anticipate,” “intend,” “target,” “estimate,” “cont inu e,” “positions,” “prospects” or “potential,” by future conditional verbs such as “will,” “would,” “should,” “could,” or “may,” or by variations of such words or by similar expressions. These statements are not gua ran tees of future performance and involve certain risks, uncertainties and assumptions which are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expres sed or forecasted in such forward - looking statements. Potential risks and uncertainties include the following: ▪ the difficulties and risks inherent with entering new markets; ▪ general economic conditions and political events, either nationally or in our market areas that are worse than expected, whic h c ould result in, among other things, a continued deterioration in credit quality, a further reduction in demand for credit and a further decline in real estate values; ▪ our ability to raise additional capital may be impaired if markets are disrupted or become more volatile; ▪ turmoil in the financial markets and related efforts of government agencies to stabilize the financial system; ▪ volatility, disruption, or uncertainty in national and international financial markets, including as a result of geopolitical de velopments; ▪ the effects of any U.S. federal government shutdown, closures or significant staff reductions in agencies regulating or other wis e impacting Eagle's business; ▪ the direct or indirect impact of any new regulatory, policy, or enforcement developments resulting from the policies or actio ns of the current U.S. presidential administration, including the implementation of tariffs and other protectionist trade policies, including any reciprocal tariffs by foreign countries; ▪ restrictions or conditions imposed by our regulators on our operations may make it more difficult for us to achieve our goals ; ▪ governmental monetary and fiscal polices as well as legislative or regulatory changes, including changes in accounting standa rds and compliance requirements, may adversely affect us; ▪ competitive pressures among depository and other traditional and non - traditional financial services providers may increase signi ficantly; ▪ changes in the interest rate environment may reduce margins or the volumes or values of the loans we make or have acquired; ▪ other financial institutions have greater financial resources and may be able to develop or acquire products that enable them to compete more successfully than we can; ▪ war or terrorist activities may cause further deterioration in the economy or cause instability in credit markets; ▪ our ability to navigate differing environmental, social, governmental, and sustainability concerns among governmental adminis tra tions, our stakeholders, and other activists that may arise from our business activities; ▪ changes or volatility in the securities markets that lead to impairment in the value of our investment securities and goodwil l; ▪ cyber incidents, or theft or loss of Company or customer data or money; ▪ volatility in Eagle's stock price due to investor sentiment and perception of the banking industry; ▪ economic, governmental or other factors may prevent the projected population, residential and commercial growth in the market s i n which we operate; and ▪ we will or may continue to face the risk factors discussed from time to time in the periodic reports we file with the SEC, in clu ding our Form 10 - K for the fiscal year ended December 31, 2025. For these forward - looking statements, we claim the protection of the safe harbor for forward - looking statements contained in the Private Securities Litigation Reform Act of 1995. You should not place undue reliance on the forward - looking statements, which speak only as of the date of this presentation. All subsequent written a nd oral forward - looking statements attributable to us or any person acting on our behalf are expressly qualified in their entirety by the cautionary statements contained or referred to in this section. W e u ndertake no obligation to publicly update or revise any forward - looking statements, whether as a result of new information, future events or otherwise. See Item 1A, Risk Factors, in our Annual Repo rt on Form 10 - K for the year ended December 31, 2025, and otherwise in our SEC reports and filings, for a description of some of the important factors that may affect actual outcomes.
3 □ Eagle Bancorp Montana, Inc . is the holding company for Opportunity Bank of Montana ; established in 1922 , the Bank is the 4 th largest bank headquartered in Montana with 30 banking offices and has deeply embedded itself as the bank of choice within the community □ Continued execution on commercial bank model following the transition from a thrift ▪ Established commercial bank charter in 2014 ; rebranded as Opportunity Bank of Montana ▪ Diversified loan mix with higher yielding agricultural credits and increasing commercial loans ▪ Strong deposit mix : non - CDs, at 74 % of total deposits as of September 30 , 2026 ▪ Positioned for growth and improved profitability ▪ Core lines of business include : retail lending, commercial and agricultural lending, deposit products and services and mortgage origination ▪ Strong NIM and balance sheet positioned to perform through various interest rate cycles □ Continuation of strong credit culture ; excellent credit quality with NPAs of 38 bps as of September 30 , 2026 □ Track record of execution on strategic initiatives : ▪ Announced Acquisition of First Community Bank in October 2021 , completed April 2022 ▪ Announced Acquisition of Western Bank of Wolf Point in August 2019 , completed January 2020 ▪ Announced Acquisition of State Bank of Townsend in August 2018 , completed January 2019 ▪ Announced Acquisition of Ruby Valley Bank in September 2017 , completed January 2018 ▪ Successful acquisition and integration of seven branches from Sterling Financial in 2012 Community Focused Institution
4 Branch Overview Branch Locations 30 Opportunity Bank Branches Throughout Montana
5 Financial Overview □ Balance Sheet (9/30/26): ▪ Assets $2.28 billion ▪ Gross Loans $1.72 billion ▪ Deposits $1.80 billion ▪ Total equity $192.1 million □ Asset Quality (9/30/26): ▪ NPAs/assets – 0.38% □ Profitability for Year - to - Date 2026: ▪ Net income of $10.7 million ▪ Diluted EPS of $1.36 ▪ NIM – 4.13% ▪ ROAA – 0.67% ▪ ROAE – 7.26%
6 Laura Clark President and CEO 12 years with the Company 51 years in banking Rachel Amdahl SVP and Chief Operations Officer 3 8 years with the Company 3 8 years in banking Dale Field SVP and Chief Credit Officer 24 years with the Company 2 8 years in banking Miranda Spaulding E VP and Chief Financial Officer 12 years with the Company 25 years in accounting/finance Experienced Executive Management Chantelle Nash E VP and Chief Risk Officer and Chief Administrative Officer 1 9 years with the Company 1 9 years in banking Darryl Rensmon President and Chief Operating Officer 9 years with the Company 40 years in IT Alana Binde SVP and Chief Human Resource Officer 17 years with the Company 17 years in banking Dustin Barber E VP and Chief Banking Officer 1 1 years with the Company 21 years in banking
7 Experienced Board Year Elected Experience Director 2022 CEO of Opportunity Bank and the Company Laura F. Clark 2007 Retired President of a Montana telecommunications company Rick F. Hays 1998 Retired Vice President of Carroll College Thomas J. McCarvel 2007 Retired President and CEO of Opportunity Bank and the Company Peter J. Johnson 2015 Co - founder of JWT Capital, LLC, a real estate development and operating company Shavon R. Cape 2015 Retired President of Abatement Contractors of Montana, LLC, specializing in environmental remediation Tanya J. Chemodurow 2018 Retired Market President of Opportunity Bank, former CEO of Ruby Valley Bank Kenneth M. Walsh 2018 Chief Operating Officer of Jeffery Contracting Corey I. Jensen 2019 Principal at Pinion Cynthia A. Utterback 2022 Retired Business Development Officer for Opportunity Bank, Former President of First Community Bank Samuel D. Waters 2026 President and Chief Operating Officer of Opportunity Bank and the Company P. Darryl Rensmon
8 □ Continue to diversify our loan portfolio into commercial (C&I), commercial real estate and agriculture □ Attract and retain lower - cost core deposits □ Continue to expand our franchise through selective acquisitions and branch additions □ Maintain strong asset quality □ Continue to operate as a community oriented financial institution Business Strategy
Key Montana Markets – Helena, Missoula, Great Falls Lewis and Clark County (Helena) Cascade County (Great Falls) Missoula County (Missoula) • Helena is the state capital of Montana. • Stable economy supported by state government, healthcare, education, and small business. • Government positions account for 70% of Helena's workforce. • Home to Carroll College, a top - ranked private liberal arts college. • Great Falls MSA is the 3rd largest metropolitan area in Montana by population. • Diverse regional economy is anchored by agriculture, military, manufacturing and tourism. • Trade hub for the Golden Triangle region, an area known for high quality agriculture production. • Missoula MSA is the 2nd largest metropolitan area in Montana by population. • Home to the University of Montana (Approximately 11,000 students). • Regional hub for a wide range of retail, professional and service activities. Source(s): S&P Global Market Intelligence as of June 30, 2026 9 MT Rank Institution (State) Branches Deposits Market Share 1Glacier Bancorp Inc. (MT) 4 638,983$ 24.5% 2First Interstate BancSystem (MT) 3 465,872 17.8% 3Eagle Bancorp Montana Inc. (MT) 4 368,915 14.1% 4Stockman Financial Corp. (MT) 3 342,398 13.1% 5Wells Fargo & Co. (CA) 2 309,800 11.9% 6U.S. Bancorp (MN) 1 263,905 10.1% 7Ascent Bancorp (MT) 2 92,415 3.5% 8Forstrom Bancorp. Inc. (MN) 1 42,900 1.6% 9JPMorgan Chase & Co. (NY) 1 31,255 1.2% 10Farmers State Financial Corp. (MT) 1 26,047 1.0% Total For Institutions In Market 26 2,612,303$ MT Rank Institution (State) Branches Deposits Market Share 1Glacier Bancorp Inc. (MT) 6 888,603$ 22.5% 2First Interstate BancSystem (MT) 3 824,882 20.9% 3Stockman Financial Corp. (MT) 3 515,366 13.1% 4Bitterroot Holding Co. (MT) 7 435,394 11.0% 5Wells Fargo & Co. (CA) 2 381,175 9.7% 6U.S. Bancorp (MN) 2 365,682 9.3% 7Bancorp of Montana Holding Co. (MT) 1 278,912 7.1% 8Farmers State Financial Corp. (MT) 3 70,974 1.8% 9Eagle Bancorp Montana Inc. (MT) 2 70,851 1.8% 10First National Bancorp Inc. (MT) 2 60,110 1.5% Total For Institutions In Market 32 3,946,887$ MT Rank Institution (State) Branches Deposits Market Share 1Stockman Financial Corp. (MT) 3 568,738$ 26.1% 2First Interstate BancSystem (MT) 3 512,765 23.5% 3U.S. Bancorp (MN) 3 395,699 18.1% 4Wells Fargo & Co. (CA) 2 313,345 14.4% 5Forstrom Bancorp. Inc. (MN) 2 106,121 4.9% 6Bravera Holdings Corp. (ND) 2 100,584 4.6% 7Belt Valley Bank (MT) 1 73,981 3.4% 8Eagle Bancorp Montana Inc. (MT) 1 52,038 2.4% 9Montana Security Inc. (MT) 1 48,716 2.2% 10Glacier Bancorp Inc. (MT) 1 9,910 0.5% Total For Institutions In Market 21 2,182,397$
Key Montana Markets – Bozeman, Billings, Butte Gallatin County (Bozeman) Silver Bow (Butte) Yellowstone County (Billings) • Fastest growing area in Montana, and one of the fastest growing counties in the Western U.S. • Home to Montana State University, the largest university in the state (17,000+ students). • Local economy is tied to technology, healthcare, education and tourism. • High - tech center of Montana. • Originally one of the largest industrial mining and smelting regions in the country, Butte has now evolved into a diverse regional economy. • Local economy is tied to mining, agriculture processing, healthcare, business services, tourism and education. • Home to Montana Tech, a public engineering and technical university (~2,500 students). • The Billings MSA is the largest metropolitan area in Montana by population. • Serves as the regional hub for more than 500,000 people across a four state region. • Diverse economy supported by transportation, manufacturing, hospitality, medical, energy and other business and consumer services. Source(s): S&P Global Market Intelligence as of June 30, 2026 10 MT Rank Institution (State) Branches Deposits Market Share 1Glacier Bancorp Inc. (MT) 9 1,835,692$ 35.0% 2Stockman Financial Corp. (MT) 5 689,978 13.2% 3First Interstate BancSystem (MT) 4 689,841 13.2% 4Wells Fargo & Co. (CA) 2 530,041 10.1% 5Guaranty Dev. Co. (MT) 3 341,001 6.5% 6U.S. Bancorp (MN) 2 331,175 6.3% 7MSB Financial Inc. (MT) 4 252,738 4.8% 8Eagle Bancorp Montana Inc. (MT) 3 248,775 4.8% 9Bozeman Bancorp Inc. (MT) 1 96,398 1.8% 10Yellowstone Holding Co. (MT) 1 71,487 1.4% Total For Institutions In Market 41 5,240,723$ MT Rank Institution (State) Branches Deposits Market Share 1First Interstate BancSystem (MT) 10 1,824,197$ 24.6% 2U.S. Bancorp (MN) 4 1,467,518 19.8% 3Stockman Financial Corp. (MT) 6 1,272,424 17.1% 4Glacier Bancorp Inc. (MT) 7 895,408 12.1% 5Wells Fargo & Co. (CA) 4 894,649 12.1% 6Yellowstone Holding Co. (MT) 5 678,185 9.1% 7Eagle Bancorp Montana Inc. (MT) 3 107,523 1.5% 8Bitterroot Holding Co. (MT) 1 105,652 1.4% 9Bravera Holdings Corp. (ND) 3 93,070 1.3% 10JPMorgan Chase & Co. (NY) 2 48,832 0.7% Total For Institutions In Market 47 7,426,789$ MT Rank Institution (State) Branches Deposits Market Share 1Glacier Bancorp Inc. (MT) 3 243,579$ 26.9% 2Wells Fargo & Co. (CA) 1 219,899 24.3% 3Eagle Bancorp Montana Inc. (MT) 1 125,480 13.9% 4First National Bancorp Inc. (MT) 1 124,747 13.8% 5U.S. Bancorp (MN) 1 96,334 10.6% 6Forstrom Bancorp. Inc. (MN) 1 74,829 8.3% 8Bridger Co. (MT) 1 21,355 2.4% Total For Institutions In Market 9 906,223$
11 $200 $213 $238 $251 $287 $306 $332 $508 $516 $560 $630 $674 $717 $854 $1,054 $1,258 $1,436 $1,948 $2,076 $2,103 $2,106 $2,282 $- $250 $500 $750 $1,000 $1,250 $1,500 $1,750 $2,000 $2,250 $2,500 2004 2005 2006 2007 2008 2009 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 9/30/2026 Non-Acquired Assets Acquired Assets An Expanding Franchise ▪ EBMT has successfully executed on its growth strategy, through both organic growth and acquisitions, and has produced results ▪ Strong track record of successfully integrating acquisitions - EBMT has been the most active acquiror of Montana banks over the last decade ▪ Complementary combinations have provided increased scale and diversification January 2020 Assets: $100M Loans: $41M Deposits: $77M Acquired November 2012 Loans: $41M Deposits: $181M Acquired 7 Montana Branches from Source: S&P Capital IQ Pro, Company filings and call report data Note: All dollars in millions Note: Bank level financial information for acquired companies and branches at closing or most recent quarter Total Assets January 2019 Assets: $108M Loans: $92M Deposits: $92M Acquired January 2018 Assets: $90M Loans: $55M Deposits: $78M Acquired April 2022 Assets: $370M Loans: $191M Deposits: $321M Acquired
Financial Highlights
13 Balance Sheet Expansion $1,436 $1,948 $2,076 $2,103 $2,106 $2,282 $933 $1,354 $1,484 $1,521 $1,519 $1,717 $1,223 $1,635 $1,635 $1,681 $1,782 $1,802 $0 $500 $1,000 $1,500 $2,000 $2,500 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 Assets Total Loans Deposits $ in millions
14 Commercial & Industrial , 10% Commercial Real Estate , 46% Construction & Land Development , 6% Residential 1 - 4 and Construction, 12% Home Equity , 7% Agricultural & Farmland, 18% Consumer , 1% Loan Portfolio Composition – 9/30/2026 □ 33 Commercial/Ag lenders □ 14 Mortgage lenders □ Owner - occupied CRE loans represent 15% of total loans Excludes loans held for sale Loan Portfolio Detail
15 CRE Loan Portfolio Composition – 9/30/2026 Excludes loans held for sale Multifamily , 27% Lessors of nonresidential buildings, 8% Hotels and other travel accommodations, 11% Office space , 9% Other, 45% CRE Portfolio Detail
16 0.49% 0.40% 0.41% 0.19% 0.27% 0.38% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 9/30/2026 Nonperforming Assets/Total Assets Disciplined Credit Culture Effective January 1, 2023, the Company adopted ASU No. 2022 - 02, Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings ("TDRs") and Vintage Disclosures. The update eliminated the recognition and measurement of TDRs, therefore, TDRs are not included in nonpe rfo rming assets starting in 2023.
17 Non Interest Checking 25% Interest Bearing Checking 11% Savings 12% Money Market 26% Time Certificates 26% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Time Certificates Money Market Savings Interest Checking September 30, 2026 Deposit Mix – Rolling 8 Quarters □ Deposit costs were 1.44% for 3Q26 □ Non - Interest Bearing accounts represent 25% of total deposits at 3Q26 □ MMDA & Checking accounts represent 62% of total deposits at 3Q26 (000's) 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Non Interest Checking 419,211$ 411,272$ 417,324$ 429,064$ 452,183$ 437,574$ 448,260$ 453,774$ Interest Bearing Checking 221,476 211,422 205,021 215,128 218,484 218,113 212,749 206,781 Savings 210,572 212,462 205,596 204,367 207,789 214,133 210,389 208,271 Money Market 367,094 396,399 450,685 450,787 440,971 443,473 451,373 467,596 Time Certificates 462,875 458,411 459,299 452,833 462,172 472,783 467,433 465,680 Total 1,681,228$ 1,689,966$ 1,737,925$ 1,752,179$ 1,781,599$ 1,786,076$ 1,790,204$ 1,802,102$ Funding Overview – Deposit Composition
18 Net Interest Income & Net Interest Margin $ 2 , 0 $ 3 , 0 $ 4 , 0 $ 5 , 0 $ 6 , 0 $ 7 , 0 $ 8 , 0 $ 9 , 0 $ 1 0 , 2 . 8 0 3 . 0 0 3 . 2 0 3 . 4 0 3 . 6 0 3 . 8 0 4 . 0 0 4 . 2 0 4 . 4 0 4 . 6 0 Net Interest Income Net Interest Margin 3.32% 3.33% 3.41% 3.34% 3.59% 3.74% 3.91% 3.94% 4.08% 4.11% 4.15% 4.12% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% $0 $5,000 $10,000 $15,000 $20,000 $25,000 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Net Interest Income Net Interest Margin Net interest income in 000’s
19 Yield and Cost of Funds 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 2021Y 2022Y 2023Y 2024Y 2025Y YTD 2026 Yield on Average Earning Assets EBMT Peer Group 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 2021Y 2022Y 2023Y 2024Y 2025Y YTD 2026 Yield on Loans EBMT Peer Group 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 2021Y 2022Y 2023Y 2024Y 2025Y YTD 2026 Cost of Funds EBMT *Peer Group data as of 6/30/26. Peer group includes PFLC, RVSB, CSHX, FSBW, TSBK, SFBC, OVLY, CWBC, NRIM, CZBC, SSBI & FNRN. Source: S&P Global Market Intelligence * *
20 Provision for Credit Losses $861 $2,001 $1,456 $518 $1,181 $2,481 $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 2021 2022 2023 2024 2025 YTD 2026 Provision for credit losses on loans starting in 2023, provision for loan losses for prior periods $ in 000’s
21 Building Shareholder Value $2.17 $1.45 $1.29 $1.24 $1.90 $1.36 $0.00 $0.50 $1.00 $1.50 $2.00 $2.50 2021 2022 2023 2024 2025 YTD 2026 $23.07 $19.79 $21.11 $21.77 $24.10 $24.12 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 2021 2022 2023 2024 2025 9/30/26 Diluted Earnings Per Share Book Value Per Share
22 Capital Strength *The tangible common equity to tangible assets is a non - GAAP ratio that is calculated by dividing shareholders’ equity, less goo dwill and core deposit intangible, by total assets, less goodwill and core deposit intangible. September 30 , ($ in 000s) 2022 2023 2024 2025 2026 Total Assets 1,948,384 $ 2,075,666 $ 2,103,090 $ 2,106,367 $ 2,282,025 $ Total Common Stockholders' Equity 158,416 $ 169,273 $ 174,765 $ 191,814 $ 192,129 $ Tangible Common Equity Ratio* 6.10% 6.32% 6.57% 7.43% 6.90% Bank Regulatory Capital Ratios: Total Risk Based Capital Ratio 13.04% 13.01% 13.49% 14.28% 13.32% Tier 1 Risk Based Capital Ratio 12.14% 11.96% 12.41% 13.15% 12. 18 % Common Equity Tier 1 (CETI) Ratio 12.14% 11.96% 12.41% 13.15% 12.18% Tier 1 Leverage Ratio 9.82% 9.75% 10.07% 10.62% 10.62% December 31,
Laura Clark Chief Executive Officer Office: (406) 442 - 3080 Direct: (406) 457 - 4007 lclark@oppbank.com www.opportunitybank.com 1400 Prospect Avenue P.O. Box 4999 Helena, MT 59604 Miranda Spaulding EVP and Chief Financial Officer Office: (406) 442 - 3080 Direct: (406) 441 - 5010 mspaulding@oppbank.com Darryl Rensmon President and Chief Operating Officer Office: (406) 442 - 3080 Direct: (406) 441 - 5005 drensmon@oppbank.com