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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