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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

4.92%Q2 ’245.12%Q2 ’255.08%Q2 ’26+14%+7%

Non-interest income vs. expense

3.23%Q2 ’243.30%Q2 ’253.55%Q2 ’26-1%+9%

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 0.83%, up 8 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.26% of loans (-6 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

0.83%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+24 bps YoY

Efficiency Ratio (quarter, annualized)

74.83%+134 bps YoY

Tier 1 Leverage Ratio

10.93%+59 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.82%1.02%0.88%0.83%+8 bps
Return on Equity6.75%7.31%8.88%7.54%7.04%+29 bps
Net Interest Margin3.61%3.70%3.84%3.79%3.85%+24 bps
Efficiency Ratio73.49%73.94%70.82%73.10%74.83%+134 bps
Non-Interest Burden2.43%2.52%2.46%2.54%2.65%+22 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%0.02%0.03%0.01%0.05%+4 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