Eagle Bancorp Montana (EBMT) Q4 2025 earnings summary

Executive summary

• Net income rose 30.3% sequentially to $4.7M ($0.60/diluted share) in Q4 2025 and 51.7% year-over-year to $14.8M ($1.90/diluted share) for 2025.

• Quarterly cash dividend of $0.145/share declared, annualized yield 2.93%.

• Strong core deposit base and diversified loan portfolio highlighted as strategic strengths.

Financial highlights

• Q4 2025 net interest margin (NIM) was 4.08%, up 14 bps from Q3 and 49 bps year-over-year.

• Net interest income before provision for credit losses increased 2.5% sequentially and 14.1% year-over-year to $19.2M in Q4; full-year net interest income up 14.9% to $72.9M.

• Revenues for Q4 rose 3.8% sequentially and 13.7% year-over-year to $24.3M; full-year revenues up 12.8% to $91.6M.

• Noninterest income for Q4 up 8.8% sequentially and 12.2% year-over-year to $5.1M; full-year noninterest income up 5.0% to $18.7M.

• Noninterest expense for Q4 was $18.2M, down 1.1% sequentially, up 2.7% year-over-year; full-year noninterest expense up 3.2% to $71.5M.

Outlook and guidance

• Management anticipates further improvement in cost of funds if rates continue to decline.

• Deposit costs are expected to ease as maturing CDs roll over at reduced rates.