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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 $2.3MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $123.6M22%Noninterest $34.2MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.41%2.51%2.74%2.46%2.35%2.30%2.25%2.29%-18 bps
Return on Equity25.26%26.17%28.12%25.30%23.80%23.32%21.15%20.96%-433 bps
Net Interest Margin4.23%4.34%5.00%4.85%4.87%4.57%4.89%5.22%+37 bps
Efficiency Ratio38.21%37.33%32.94%35.44%37.63%37.86%36.98%38.94%+350 bps
Non-Interest Burden0.93%0.99%1.20%1.37%1.55%1.49%1.71%1.92%+54 bps
Growth
Asset Growth (YoY)12.02%14.10%17.28%21.22%14.69%27.44%8.43%1.85%-1,937 bps
Loan Growth (YoY)7.82%12.16%3.09%0.26%-1.65%-1.00%0.98%9.51%+925 bps
Deposit Growth (YoY)8.99%14.00%16.75%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.00%0.00%-0.02%-0.01%0.00%0.00%0 bps
Allowance / Loans2.51%2.58%2.74%2.78%2.89%2.95%3.06%2.85%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.56%10.70%10.97%10.91%10.92%10.58%11.35%13.03%+212 bps
Total Risk-Based Capital10.56%10.70%10.97%10.91%10.92%10.58%11.35%13.03%+212 bps
Equity / Assets9.98%9.73%9.75%9.73%10.27%9.81%11.52%11.48%+175 bps
Liquidity & Funding
Loans / Deposits67.38%66.45%59.92%56.77%57.97%51.72%57.12%62.46%+569 bps
Liquid Assets / Assets0.18%0.01%6.24%10.92%7.08%14.56%1.13%8.97%-195 bps
CRE / Total Capitaln/an/an/an/a253%227%208%n/an/a