Helena, MT · Cert 30182 · Eagle Bcorp Montana Inc.
State charter, Fed member · FED · 30 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
61
Profitability
36
Liquidity
95
Efficiency
14
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.
Helena, MT · Cert 30182 · Eagle Bcorp Montana Inc.
State charter, Fed member · FED · 30 branches
Q2 2026
Market Position · Helena, MT · 2026 SOD (annual) · 17.1% share · #2 of 14 inst. · $0.5B of $2.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.59% | 0.75% | 0.75% | 0.77% | 0.83% | 0.88% | 0.85% | +11 bps | |
| Return on Equity | 4.95% | 5.56% | 6.86% | 6.80% | 6.97% | 7.46% | 7.54% | 7.28% | +48 bps | |
| Net Interest Margin | 3.10% | 3.17% | 3.41% | 3.49% | 3.54% | 3.64% | 3.79% | 3.81% | +33 bps | |
| Efficiency Ratio | 80.83% | 79.80% | 76.06% | 74.72% | 74.45% | 73.49% | 73.10% | 73.97% | -74 bps | |
| Non-Interest Burden | 2.37% | 2.38% | 2.43% | 2.42% | 2.44% | 2.46% | 2.54% | 2.59% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 1.35% | 0.62% | 1.88% | -1.15% | 0.20% | 0.20% | -0.56% | -244 bps | |
| Loan Growth (YoY) | 3.64% | 2.55% | 1.51% | 3.62% | 1.30% | -0.49% | -0.04% | -0.57% | -419 bps | |
| Deposit Growth (YoY) | 2.35% | 3.25% | 3.47% | 7.53% | 6.41% | 6.26% | 5.91% | 3.11% | -442 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.25% | 0.35% | 0.32% | 0.26% | 0.37% | 0.36% | 0.26% | -6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.03% | +2 bps | |
| Allowance / Loans | 1.11% | 1.10% | 1.09% | 1.12% | 1.13% | 1.14% | 1.14% | 1.12% | 0 bps | |
| Allowance Coverage of NPLs | 3.6x | 4.4x | 3.1x | 3.5x | 4.3x | 3.1x | 3.1x | 4.2x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.87% | 10.07% | 10.29% | 10.34% | 10.35% | 10.62% | 10.85% | 10.93% | +59 bps | |
| Total Risk-Based Capital | 13.14% | 13.49% | 13.64% | 13.51% | 13.79% | 14.28% | 14.46% | 14.23% | +72 bps | |
| Equity / Assets | 10.73% | 10.84% | 11.06% | 11.01% | 11.35% | 11.66% | 11.74% | 11.72% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.12% | 90.20% | 89.86% | 90.38% | 88.65% | 84.46% | 84.82% | 87.15% | -322 bps | |
| Liquid Assets / Assets | 0.89% | 0.08% | 0.07% | 0.05% | 0.21% | 1.85% | 1.64% | 0.13% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 374% | 356% | 360% | n/a | n/a | |
Helena, MT · Cert 30182 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Eagle Bcorp Montana Inc.
State charter, Fed member · FED · 30 branches
Q2 2026
Return on Assets
0.85%
Rank 206 of 258
Net Interest Margin
3.81%
Rank 72 of 258
Efficiency Ratio
75.03%
Rank 223 of 257
Equity / Assets
11.72%
Rank 65 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.93% | 1.23% | 1.54% | Beats 20% | 206 / 258 | ||
| Return on Equity | 7.21% | 9.26% | 11.84% | 14.74% | Beats 15% | 219 / 258 | ||
| Net Interest Margin | 3.81% | 3.16% | 3.49% | 3.88% | Beats 72% | 72 / 258 | ||
| Efficiency Ratio | 75.03% | 51.71% | 60.30% | 69.65% | Beats 14% | 223 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.19% | 0.46% | 0.90% | Beats 65% | 91 / 258 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 57% | 111 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.10% | 11.41% | 12.98% | 15.12% | Beats 50% | 128 / 258 | ||
| Total Risk-Based Capital Ratio | 14.23% | 12.10% | 13.91% | 16.08% | Beats 53% | 120 / 258 | ||
| Equity / Assets | 11.72% | 9.09% | 10.24% | 11.72% | Beats 75% | 65 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.15% | 73.24% | 86.34% | 95.95% | 53rd pctl | 120 / 258 | ||
| Loans / Assets | 74.16% | 63.01% | 72.27% | 78.40% | 56th pctl | 113 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||