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Eagle Bank

Polson, MT · Cert 58282 · Salish&Kootenai Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

97

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

98

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

Eagle Bank

Polson, MT · Cert 58282 · Salish&Kootenai Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$179.5MAssets
$98.5MLoans
$157.7MDeposits
$20.6MEquity
Loan mix
75%RE $65.2M22%C&I $19.2M3%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $123.6M22%Noninterest $34.2MQ2 2025Q2 2026

NIM

5.15%Q2 ’245.38%Q2 ’255.68%Q2 ’26+17%+8%

Non-interest income vs. expense

2.08%Q2 ’241.88%Q2 ’252.10%Q2 ’26+74%+39%

Executive Summary

  • Earnings: ROA of 2.29%, down 18 bps year over year; NIM at 5.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.03%, up 212 bps from a year ago.
  • Funding: loans stand at 62.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.29%-18 bps YoY

Net Interest Margin (YTD, annualized)

5.22%+37 bps YoY

Efficiency Ratio (YTD, annualized)

38.94%+350 bps YoY

Tier 1 Leverage Ratio

13.03%+212 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.46%2.35%2.30%2.25%2.29%-18 bps
Return on Equity25.30%23.80%23.32%21.15%20.96%-433 bps
Net Interest Margin4.85%4.87%4.57%4.89%5.22%+37 bps
Efficiency Ratio35.44%37.63%37.86%36.98%38.94%+350 bps
Non-Interest Burden1.37%1.55%1.49%1.71%1.92%+54 bps
Growth
Asset Growth (YoY)21.22%14.69%27.44%8.43%1.85%-1,937 bps
Loan Growth (YoY)0.26%-1.65%-1.00%0.98%9.51%+925 bps
Deposit Growth (YoY)21.29%14.31%27.20%5.95%-0.46%-2,175 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.02%-0.01%0.00%0.00%0 bps
Allowance / Loans2.78%2.89%2.95%3.06%2.85%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.91%10.92%10.58%11.35%13.03%+212 bps
Total Risk-Based Capital10.91%10.92%10.58%11.35%13.03%+212 bps
Equity / Assets9.73%10.27%9.81%11.52%11.48%+175 bps
Liquidity & Funding
Loans / Deposits56.77%57.97%51.72%57.12%62.46%+569 bps
Liquid Assets / Assets10.92%7.08%14.56%1.13%8.97%-195 bps
CRE / Total Capitaln/a253%227%208%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

Eagle Bank

Polson, MT · Cert 58282 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Salish&Kootenai Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$179.5MAssets
$98.5MLoans
$157.7MDeposits
$20.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: total risk-based capital ratio trails 63% of banks under $1B in assets operating in a single state (rank 469 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.34%

Rank 21 of 746

Net Interest Margin

5.22%

Rank 18 of 746

Efficiency Ratio

38.94%

Rank 19 of 746

Equity / Assets

11.48%

Rank 283 of 746

Non-interest income vs. expense

$0.3M$3.6MINCOMEEXPENSE
Unfavorable gap of $3.3M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state
Bank 38.94%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.34%0.72%1.06%1.45%Beats 97%21 / 746
Return on Equity20.40%6.74%10.51%13.63%Beats 97%24 / 746
Net Interest Margin5.22%3.17%3.68%4.16%Beats 98%18 / 746
Efficiency Ratio38.94%55.74%64.58%75.47%Beats 98%19 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 57%319 / 743
Capital
Tier 1 Capital Ratio13.03%11.55%13.75%17.60%Beats 42%433 / 746
Total Risk-Based Capital Ratio13.03%11.71%14.33%18.43%Beats 37%469 / 746
Equity / Assets11.48%8.90%10.51%13.06%Beats 62%283 / 746
Liquidity & Funding
Loans / Deposits62.46%61.31%78.27%90.78%26th pctl550 / 746
Loans / Assets54.88%53.60%66.97%76.08%27th pctl547 / 746
Brokered Deposits / Depositsn/aNot reported for this institution