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 | |