PackageTrendsPeer
Letter portraitLegal landscape

Opportunity Bank of Montana

Helena, MT · Cert 30182 · Eagle Bcorp Montana Inc.

State charter, Fed member · FED · 30 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Opportunity Bank of Montana

Helena, MT · Cert 30182 · Eagle Bcorp Montana Inc.

State charter, Fed member · FED · 30 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.8BDeposits
$248.8MEquity
Loan mix
88%RE $1.2B10%C&I $0.1B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $1.4B25%Noninterest $0.4BQ2 2025Q2 2026

NIM

4.84%Q2 ’245.01%Q2 ’255.05%Q2 ’26+12%+9%

Non-interest income vs. expense

3.20%Q2 ’243.21%Q2 ’253.48%Q2 ’26-2%+7%

Market Position · Helena, MT · 2026 SOD (annual) · 17.1% share · #2 of 14 inst. · $0.5B of $2.9B

14.1% Lewis and Clark
4.7% Gallatin
56.4% Roosevelt
50.4% Valley

Executive Summary

  • Earnings: ROA of 0.85%, up 11 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.26% of loans (-6 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.93%, up 59 bps from a year ago.
  • Funding: loans stand at 87.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.85%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+33 bps YoY

Efficiency Ratio (YTD, annualized)

73.97%-74 bps YoY

Tier 1 Leverage Ratio

10.93%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.77%0.83%0.88%0.85%+11 bps
Return on Equity6.80%6.97%7.46%7.54%7.28%+48 bps
Net Interest Margin3.49%3.54%3.64%3.79%3.81%+33 bps
Efficiency Ratio74.72%74.45%73.49%73.10%73.97%-74 bps
Non-Interest Burden2.42%2.44%2.46%2.54%2.59%+18 bps
Growth
Asset Growth (YoY)1.88%-1.15%0.20%0.20%-0.56%-244 bps
Loan Growth (YoY)3.62%1.30%-0.49%-0.04%-0.57%-419 bps
Deposit Growth (YoY)7.53%6.41%6.26%5.91%3.11%-442 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.26%0.37%0.36%0.26%-6 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.01%0.03%+2 bps
Allowance / Loans1.12%1.13%1.14%1.14%1.12%0 bps
Allowance Coverage of NPLs3.5x4.3x3.1x3.1x4.2x+0.7x
Capital
Tier 1 Leverage Ratio10.34%10.35%10.62%10.85%10.93%+59 bps
Total Risk-Based Capital13.51%13.79%14.28%14.46%14.23%+72 bps
Equity / Assets11.01%11.35%11.66%11.74%11.72%+71 bps
Liquidity & Funding
Loans / Deposits90.38%88.65%84.46%84.82%87.15%-322 bps
Liquid Assets / Assets0.05%0.21%1.85%1.64%0.13%+8 bps
CRE / Total Capitaln/a374%356%360%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Opportunity Bank of Montana

Helena, MT · Cert 30182 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Eagle Bcorp Montana Inc.

State charter, Fed member · FED · 30 branches

Q2 2026

$2.1BAssets
$1.6BLoans
$1.8BDeposits
$248.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 74% of banks $1B-$10B in assets operating in a single state (rank 71 of 269).
  • Widest gap: efficiency ratio trails 87% of banks $1B-$10B in assets operating in a single state (rank 234 of 268).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.85%

Rank 214 of 269

Net Interest Margin

3.81%

Rank 76 of 269

Efficiency Ratio

75.03%

Rank 234 of 268

Equity / Assets

11.72%

Rank 71 of 269

Non-interest income vs. expense

$18.7M$73.4MINCOMEEXPENSE
Unfavorable gap of $54.8M · efficiency ratio beats 13% of banks $1B-$10B in assets operating in a single state
Bank 75.03%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.93%1.23%1.54%Beats 20%214 / 269
Return on Equity7.21%9.13%11.77%14.52%Beats 16%227 / 269
Net Interest Margin3.81%3.16%3.50%3.88%Beats 72%76 / 269
Efficiency Ratio75.03%51.70%60.21%69.66%Beats 13%234 / 268
Asset Quality
Nonperforming Loans / Loans0.26%0.19%0.45%0.89%Beats 65%96 / 269
Net Charge-Offs / Loans0.02%0.01%0.02%0.06%Beats 56%119 / 269
Capital
Tier 1 Capital Ratio13.10%11.29%13.10%15.21%Beats 50%135 / 269
Total Risk-Based Capital Ratio14.23%12.04%13.91%16.33%Beats 53%126 / 269
Equity / Assets11.72%9.18%10.29%11.76%Beats 74%71 / 269
Liquidity & Funding
Loans / Deposits87.15%72.68%86.29%95.72%54th pctl124 / 269
Loans / Assets74.16%62.46%72.27%78.37%57th pctl117 / 269
Brokered Deposits / Depositsn/aNot reported for this institution