Eagle Bancorp Montana, Inc. (EBMT): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Descubra el plan estratégico detrás de Eagle Bancorp Montana, Inc. (EBMT), una potencia bancaria regional que transforma los paisajes financieros locales a través de enfoques innovadores impulsados ​​por la comunidad. Al elaborar meticulosamente un modelo de negocio que entrelazan los servicios personalizados, la infraestructura digital de vanguardia y las ideas profundas del mercado de Montana, EBMT se ha posicionado como una institución financiera dinámica adaptada exclusivamente para atender a pequeñas empresas, residentes locales y diversos sectores económicos. Este lienzo de modelo de negocio presenta los intrincados mecanismos que permiten a EBMT ofrecer un valor excepcional, forjar conexiones comunitarias fuertes y navegar por el complejo ecosistema bancario con una notable precisión y adaptabilidad.

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocios: asociaciones clave

Empresas locales y clientes comerciales en Montana

A partir del cuarto trimestre de 2023, Eagle Bancorp Montana mantuvo 287 Relaciones activas de clientes comerciales Dentro del ecosistema comercial de Montana.

Categoría de asociación	Número de asociaciones activas	Volumen empresarial total
Pequeñas empresas	212	$ 89.4 millones
Clientes empresariales medianos	75	$ 156.7 millones

Desarrolladores inmobiliarios y empresas de construcción

Eagle Bancorp Montana colabora con 42 Asociaciones de desarrollo y construcción de bienes raíces al otro lado de Montana.

• Cartera total de préstamos inmobiliarios: $ 214.3 millones
• Tamaño promedio del préstamo: $ 5.1 millones
• Cobertura geográfica: 7 condados de Montana

Organizaciones de inversión comunitaria

Tipo de organización	Recuento de asociaciones	Monto de la inversión
Agencias de desarrollo económico local	9	$ 3.6 millones
Fundaciones de la comunidad sin fines de lucro	6	$ 1.2 millones

Proveedores de servicios financieros regionales

Eagle Bancorp Montana mantiene 15 asociaciones estratégicas de servicio financiero a partir de 2024.

• Relaciones bancarias corresponsales: 7
• Asociaciones de procesamiento de pagos: 4
• Colaboraciones de servicio de seguro: 4

Tipo de asociación	Volumen de transacción anual	Ingresos generados
Banca corresponsal	$ 412.6 millones	$ 3.8 millones
Procesamiento de pagos	$ 186.2 millones	$ 1.9 millones

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Eagle Bancorp Montana reportó una cartera de préstamos totales de $ 628.7 millones, con el siguiente desglose:

Categoría de préstamo	Monto total ($)	Porcentaje
Inmobiliario comercial	287,405,000	45.7%
Comercial e industrial	156,175,000	24.8%
Inmobiliario residencial	132,638,000	21.1%
Préstamos al consumo	52,482,000	8.4%

Préstamo y origen hipotecario

Las actividades de préstamos hipotecarios en 2023 incluyeron:

• Originaciones de hipotecas totales: $ 89.3 millones
• Portafolio de préstamos hipotecarios residenciales: $ 132.6 millones
• Tamaño promedio del préstamo hipotecario: $ 276,500

Gestión de cuentas de depósito

Estadísticas de la cuenta de depósito para 2023:

Tipo de depósito	Monto total ($)	Porcentaje
Verificación de no interés	187,345,000	32.6%
Verificación de intereses	142,675,000	24.8%
Cuentas de ahorro	98,456,000	17.1%
Depósitos de tiempo	147,824,000	25.5%

Soporte financiero de pequeñas empresas

Métricas de préstamos para pequeñas empresas en 2023:

• Préstamos totales de pequeñas empresas: $ 156.2 millones
• Número de cuentas activas de pequeñas empresas: 1,247
• Tamaño promedio del préstamo para pequeñas empresas: $ 125,300

Mantenimiento de la plataforma de banca en línea y digital

Rendimiento de la plataforma de banca digital en 2023:

• Usuarios bancarios en línea: 38,500
• Descargas de aplicaciones de banca móvil: 12,700
• Volumen de transacciones digitales: 2.3 millones de transacciones
• Inversión bancaria digital: $ 2.1 millones

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocio: recursos clave

Red bancaria regional fuerte en Montana

A partir del cuarto trimestre de 2023, Eagle Bancorp Montana, Inc. opera 13 ubicaciones de banca de servicio completo en Montana, con una concentración primaria en las regiones occidentales de Montana.

Tipo de ubicación	Número de ramas	Cobertura geográfica
Ramas de servicio completo	13	Montana occidental
Activos totales	$ 1.08 mil millones	Al 31 de diciembre de 2023

Equipo de gestión experimentado

Composición de liderazgo a partir de 2024:

• Total de los miembros del equipo ejecutivo: 5
• Experiencia de la industria bancaria promedio: 22 años
• Tenencia del CEO actual: 8 años

Infraestructura de tecnología de banca digital

Servicio digital	Disponibilidad
Aplicación de banca móvil	Disponible
Plataforma bancaria en línea	Totalmente operativo
Volumen de transacción digital	68% de las transacciones totales en 2023

Cartera integral de productos financieros

• Préstamo comercial
• Préstamos agrícolas
• Servicios bancarios personales
• Banca de pequeñas empresas
• Préstamo hipotecario

Conocimiento y relaciones del mercado local

Métricas de penetración del mercado para Montana:

Segmento de mercado	Cuota de mercado
Préstamos para pequeñas empresas	7.3%
Préstamos agrícolas	5.9%
Banca personal	4.6%

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocio: propuestas de valor

Servicios bancarios personalizados para comunidades locales

A partir del cuarto trimestre de 2023, Eagle Bancorp Montana opera 11 ubicaciones de banca de servicio completo en Montana. El banco atiende a 4 condados principales con una presencia total del mercado de $ 1.13 mil millones en activos totales.

Categoría de servicio	Número de ofrendas
Productos bancarios personales	17
Productos bancarios de negocios	12
Canales bancarios digitales	4

Tasas de interés competitivas sobre préstamos y depósitos

Estructura de tasa de interés actual de EBMT a partir de enero de 2024:

Tipo de préstamo	Rango de tasas de interés
Préstamos inmobiliarios comerciales	6.25% - 8.75%
Préstamos para pequeñas empresas	7.50% - 9.25%
Cuentas de ahorro personal	3.10% - 4.50%

Servicio al cliente rápido y receptivo

• Tiempo promedio de respuesta al cliente: 2.3 horas
• Tiempo de resolución de banca digital: 45 minutos
• Calificación de satisfacción del cliente: 4.6/5

Soluciones financieras flexibles para pequeñas empresas

Portafolio de préstamos para pequeñas empresas a partir de 2023:

Categoría de préstamo comercial	Valor total
Préstamos de capital de trabajo	$ 42.6 millones
Financiación de equipos	$ 23.4 millones
Préstamos de la SBA	$ 18.9 millones

Toma de decisiones locales y banca basada en relaciones

Métricas locales de préstamos y toma de decisiones para 2023:

• Tasa de aprobación de préstamos locales: 92%
• Duración promedio de la relación con clientes comerciales: 7.2 años
• Porcentaje de préstamos locales a base de Montana: 86%

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir del cuarto trimestre de 2023, Eagle Bancorp Montana empleó a 37 gerentes de relaciones bancarias personales dedicadas en sus 12 ubicaciones de sucursales en Montana.

Segmento de clientes	Gerentes dedicados	Tamaño promedio de la cartera
Banca de negocios	15	42 clientes comerciales por gerente
Banca personal	22	189 clientes individuales por gerente

Compromiso del cliente centrado en la comunidad

En 2023, Eagle Bancorp Montana invirtió $ 276,500 en iniciativas de participación de la comunidad local.

• Patrocinado 24 eventos de la comunidad local
• Participó en 18 programas locales de desarrollo económico
• Realizó 6 talleres de educación financiera

Canales directos de atención al cliente

Canal de soporte	Volumen de contacto anual	Tiempo de respuesta promedio
Soporte telefónico	47,632 llamadas	8.2 minutos
Chat en línea	22,145 interacciones	4.6 minutos
Soporte por correo electrónico	15,387 correos electrónicos	12.3 horas

Opciones de interacción digital y en persona

Tasa de adopción de banca digital: El 68.3% de los clientes usan activamente plataformas de banca en línea y móvil en 2023.

• Aplicación de banca móvil: 45,721 usuarios activos
• Plataforma de banca en línea: 62,394 usuarios registrados
• Visitas en la rama en persona: promedio de 3,214 mensuales

Asesoramiento financiero y consulta a medida

Tipo de consulta	Volumen anual	Duración promedio
Aviso de inversión	1.247 consultas	62 minutos
Asesoramiento hipotecario	892 sesiones	45 minutos
Planificación de jubilación	673 consultas	55 minutos

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocios: canales

Ubicaciones de ramas físicas en Montana

A partir de 2024, Eagle Bancorp Montana opera 14 ubicaciones de ramas físicas en Montana, distribuido de la siguiente manera:

Región	Número de ramas
Montana occidental	7
Oriente Montana	4
Montana central	3

Plataforma bancaria en línea

Características de la plataforma bancaria en línea de Eagle Bancorp Montana:

• Seguimiento del saldo de la cuenta
• Historial de transacciones
• Servicios de pago de facturas
• Transferencias de fondos

Aplicación de banca móvil

Estadísticas de aplicaciones móviles:

• Descargas totales: 22,567
• Usuarios activos mensuales: 15,342
• Disponible en plataformas iOS y Android

Servicios de banca telefónica

Métrico de servicio	Datos
Volumen diario promedio de llamadas	187 llamadas
Horario de servicio al cliente	7:00 am - 7:00 PM MST
Presupuesto anual del centro de llamadas	$ 1.2 millones

Red de cajeros automáticos

Detalles de la red de cajeros automáticos:

• ATMS totales: 24
• Cobertura de red: 12 condados de Montana
• Volumen anual de transacción de cajeros automáticos: 342,567 transacciones

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Eagle Bancorp Montana atiende a aproximadamente 1,247 clientes comerciales pequeños a medianos en Montana. Cartera total de préstamos comerciales para SMB: $ 287.3 millones.

Segmento de negocios	Número de clientes	Valor total del préstamo
Negocios minoristas	423	$ 92.6 millones
Servicios profesionales	356	$ 78.4 millones
Fabricación	218	$ 64.2 millones

Residentes locales de Montana

Base de clientes: 47,532 titulares de cuentas individuales. Distribución de productos bancarios personales:

• Cuentas corrientes: 22,687
• Cuentas de ahorro: 18,945
• Préstamos personales: 6,900

Inversores inmobiliarios comerciales

Cartera de préstamos inmobiliarios comerciales: $ 412.5 millones. Clientes de bienes raíces comerciales activos: 276.

Tipo de propiedad	Número de inversores	Inversión total
Espacios minoristas	89	$ 156.7 millones
Edificios de oficinas	67	$ 124.3 millones
Residencial multifamiliar	120	$ 131.5 millones

Profesionales del sector agrícola

Portafolio de préstamos agrícolas: $ 203.6 millones. Total de clientes agrícolas: 512.

• Agricultores de cultivos: 287
• Operaciones ganaderas: 155
• Servicios de apoyo agrícola: 70

Consumidores y familias individuales

Total de clientes de consumo individuales: 38,945. Desglose de productos bancarios personales:

Tipo de producto	Número de clientes	Valor total
Préstamos hipotecarios	4,672	$ 689.4 millones
Préstamos personales	6,900	$ 87.3 millones
Tarjetas de crédito	9,234	$ 42.6 millones

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

A partir del informe anual de 2022, Eagle Bancorp Montana, Inc. reportó gastos de compensación total de $ 16.3 millones. El desglose incluye:

Categoría de gastos	Monto ($)
Salarios	12,450,000
Beneficios para empleados	3,850,000

Mantenimiento de tecnología e infraestructura

Los costos de infraestructura tecnológica para el banco en 2022 totalizaron aproximadamente $ 2.7 millones, lo que incluyó:

• Mantenimiento de sistemas de TI: $ 1,200,000
• Inversiones de ciberseguridad: $ 850,000
• Actualizaciones de software y hardware: $ 650,000

Gastos de operación de rama

Los costos operativos relacionados con las sucursales para 2022 se documentaron de la siguiente manera:

Tipo de gasto	Monto ($)
Alquiler y ocupación	1,450,000
Utilidades	380,000
Mantenimiento	290,000

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2022 ascendieron a $ 1.5 millones, que incluyen:

• Tarifas legales y de consultoría: $ 750,000
• Software y sistemas de cumplimiento: $ 450,000
• Capacitación y documentación: $ 300,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2022 se informaron en $ 680,000, con la siguiente asignación:

Canal de marketing	Monto ($)
Marketing digital	280,000
Impresión y medios tradicionales	220,000
Patrocinios comunitarios	180,000

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Eagle Bancorp Montana, Inc. reportó ingresos por intereses totales de $ 50.3 millones, con el siguiente desglose de categoría de préstamo:

Categoría de préstamo	Ingresos de intereses ($)
Préstamos inmobiliarios comerciales	22,750,000
Préstamos hipotecarios residenciales	15,600,000
Préstamos comerciales comerciales	9,450,000
Préstamos al consumo	2,500,000

Tarifas de préstamos hipotecarios

Los ingresos por tarifas de préstamo hipotecario para 2023 totalizaron $ 3.2 millones, con los siguientes componentes:

• Tarifas de origen: $ 2,100,000
• Tasas de suscripción: $ 650,000
• Tarifas de cierre: $ 450,000

Cargos de servicio en cuentas de depósito

Los ingresos por carga de servicio para 2023 ascendieron a $ 4.7 millones, que incluyen:

Tipo de cuenta	Cargos de servicio ($)
Cuentas corrientes	2,850,000
Cuentas de ahorro	1,100,000
Cuentas comerciales	750,000

Comisiones de productos de inversión

Los ingresos por la Comisión de Productos de Inversión para 2023 fueron de $ 2.5 millones, distribuidos en todo:

• Comisiones de fondos mutuos: $ 1,200,000
• Tarifas de la cuenta de jubilación: $ 850,000
• Servicios de gestión de patrimonio: $ 450,000

Tarifas de transacción bancaria digital

Los ingresos por la tarifa de transacción bancaria digital para 2023 totalizaron $ 1.6 millones, con el siguiente desglose:

Servicio digital	Tarifas de transacción ($)
Transacciones bancarias en línea	850,000
Transacciones bancarias móviles	550,000
Transferencias de fondos electrónicos	200,000

Flujos de ingresos totales para 2023: $ 62.3 millones

Eagle Bancorp Montana, Inc. (EBMT) - Canvas Business Model: Value Propositions

Personalized, community-focused banking with local decision-making.

Eagle Bancorp Montana, Inc., the parent of Opportunity Bank of Montana, anchors its operations in Helena, Montana, emphasizing its commitment to growing its community banking footprint across Montana. The bank's leadership highlighted its focus on expanding this presence as pivotal to its results.

Diversified lending products: commercial real estate, residential, and agricultural loans.

The total loan portfolio reached $1.56 billion as of September 30, 2025. Loan origination for the first half of 2025 totaled $280.72 million. The bank originated $76.4 million in new residential mortgages during the third quarter of 2025 alone. The loan mix shows a concentration in commercial real estate, which was 43% of the overall portfolio as of June 30, 2025.

Loan Metric	Amount / Percentage (as of late 2025)
Total Loans Receivable Net	$1.54 billion (Q3 2025)
Total Loans (Year-over-Year Growth)	$1.56 billion (Up 1.5% YoY as of Q3 2025)
Commercial Real Estate Concentration	43% of portfolio (as of June 30, 2025)
Residential Mortgages Originated (Q3 2025)	$76.4 million

Financial stability and security as an FDIC-insured institution.

The bank maintains strong capital levels. The Tier 1 capital to adjusted total average assets ratio stood at 10.35% at the end of September 2025. Furthermore, the tangible common shareholders' equity to tangible assets ratio increased to 7.12%. The estimated amount of uninsured deposits was approximately $339.7 million as of September 30, 2025.

The book value per share increased to $23.45 by the end of September 2025, up from $22.17 a year earlier. The tangible book value per share reached $18.63 compared to $17.23 a year prior.

Convenient access through a network of branches and digital platforms.

The value proposition is grounded in its regional focus, serving customers through its network of branches across Montana, supported by digital platforms. The bank's total assets were $2.14 billion as of June 30, 2025.

Competitive deposit products like money market accounts and CDs.

Total Deposits reached $1.75 billion as of September 30, 2025, representing a year-over-year increase of 6.2%. The bank reported a shift in its deposit mix towards higher-yielding products. The average cost of total deposits was 1.63% in the third quarter of 2025, an improvement from 1.76% in the third quarter of 2024. Management noted expectations for an easing in deposit pricing as Certificates of Deposit (CDs) reprice at lower yields following recent rate cuts.

• Total Deposits (Q3 2025): $1.75 billion
• Total Deposits YoY Growth: 6.2%
• Average Cost of Total Deposits (Q3 2025): 1.63%

Finance: draft 13-week cash view by Friday.

Eagle Bancorp Montana, Inc. (EBMT) - Canvas Business Model: Customer Relationships

You're looking at how Eagle Bancorp Montana, Inc. keeps its customers close, which is central to its community bank model through Opportunity Bank of Montana.

Personal and high-touch service model at branch locations is supported by a physical footprint across the state. Eagle Bancorp Montana, Inc. operates 29 locations across Montana, which allows for face-to-face interaction in the communities it serves.

For business and property finance, the relationship is highly personalized. The bank emphasizes working with clients as a partner in a consultative role for commercial loans, including SBA Loans, Commercial Real Estate Loans, and Agricultural Loans. The organizational structure shows dedicated leadership for key lending areas, such as the Executive Vice President and Chief Lending Officer - Commercial and Industrial (C&I) role, responsible for overseeing all C&I lending production.

Automated self-service via online and mobile banking platforms complements the branch model. Total deposits at the end of the second quarter of 2025 were $1.74 billion. The bank noted deposit growth across both digital and branch channels in the first quarter of 2025.

The Community partner approach, emphasizing long-term local ties, is evident in its identity as a Montana community financial institution headquartered in Helena, Montana. This focus is on providing financial futures for Montanans, with a history dating back to 1922.

Direct engagement is used for security and knowledge sharing. This includes direct communication for fraud awareness and financial education initiatives, which is a standard practice for maintaining client trust in a relationship-focused bank.

Here are some key figures reflecting the scale of the customer relationships being managed as of mid-2025:

Metric	Value (as of 2025)	Date/Period
Total Locations	29	As of 2024/2025 context
Total Deposits	$1.74 billion	June 30, 2025
Year-over-Year Deposit Growth	$775.8 million increase	March 31, 2025 vs. March 31, 2024
Net Income (First Six Months)	$6.5 million	First Six Months of 2025

The bank's strategy involves strengthening these relationships, as seen by the year-over-year deposit increase of $775.8 million as of March 31, 2025.

• Focus on small businesses and individuals as primary customers.
• Lending specialization includes agricultural loans, reflecting local economic ties.
• The bank's President and CEO also serves on the Montana Independent Bankers Association board.

Finance: draft a breakdown of loan officer distribution across commercial vs. mortgage by end of Q4 2025.

Eagle Bancorp Montana, Inc. (EBMT) - Canvas Business Model: Channels

You're looking at how Eagle Bancorp Montana, Inc. gets its services to the market as of late 2025. It's a mix of old-school physical presence and necessary digital tools for a community bank in Montana.

The physical branch network remains a core channel for relationship banking.

• Physical branch network of 30 banking offices in Montana.

Digital access is maintained through dedicated platforms, supporting the 24/7 expectation of modern banking customers.

• Online and mobile banking platforms for 24/7 access.

Cash access and basic transaction needs are met via a network of ATMs.

Direct sales and consultation are driven by specialized personnel, particularly in the lending space.

For business clients, specialized services are delivered through dedicated relationship managers and integrated platforms.

Here's a quick look at the scale of the operation supporting these channels as of the third quarter of 2025.

Channel Component	Metric	Value (as of Q3 2025)
Physical Presence	Number of Banking Offices	30
Lending Activity (Mortgage)	New Residential Mortgages Originated (Q3 2025)	$76.4 million
Lending Activity (Mortgage)	Residential Mortgages Sold (Q3 2025)	$68.3 million
Balance Sheet Scale	Total Loans	$1.56 billion
Balance Sheet Scale	Total Deposits	$1.75 billion
Human Capital Supporting Channels	Total Employees	382

The direct sales channel, involving loan officers and mortgage specialists, is quantified by the volume of business they move through the system.

• Loan officers and mortgage specialists for direct sales and consultation.

Business client services are channeled through specific product offerings designed for operational efficiency.

• Treasury management and merchant services for business clients.

The effectiveness of these channels is reflected in key financial results from the period ending September 30, 2025.

The Net Interest Margin, a key indicator of asset/liability channel effectiveness, stood at 3.94% in Q3 2025. Also, total assets were reported at $2.12 billion at that same date. Finance: draft 13-week cash view by Friday.

Eagle Bancorp Montana, Inc. (EBMT) - Canvas Business Model: Customer Segments

You're looking at the core clientele for Eagle Bancorp Montana, Inc. (EBMT), which operates as the holding company for Opportunity Bank of Montana. This bank is deeply rooted in Montana, headquartered in Helena, MT, and focuses its retail banking services in the south central portion of the state, with a broader community banking footprint across Montana.

Consumers and individuals in central and western Montana represent a key segment, served through residential loans, consumer loans, and home equity loan products. The residential mortgage activity in the third quarter of 2025 shows this focus, with Eagle Bancorp Montana originating $76.4 million in new residential mortgages and selling $68.3 million in residential mortgages during that period.

Small and medium-sized businesses (SMBs) are targeted for commercial loans and cash management services. The overall loan portfolio, which stood at $1.56 billion as of September 30, 2025, is comprised primarily of traditional business and real estate secured loans. The bank offers commercial loans, which include commercial business loans.

Residential real estate borrowers are a significant group, seeking mortgages and home equity loans. The bank's lending activities explicitly focus on residential loans and home equity loan products.

Agricultural businesses are also a segment requiring specialized financing, as the company is noted as a diversified lender with a focus on agricultural loans. Non-profit organizations and associations in the local market are served through the bank's general deposit accounts, which include checking, savings, money market, individual retirement accounts, and certificates of deposit accounts.

The funding side of the business, which supports these lending segments, shows total deposits reaching $1.75 billion at September 30, 2025. This base saw an increase of 6.2% year-over-year as of that date.

Here are the key financial metrics reflecting the scale of the customer base as of the third quarter of 2025:

Metric	Amount as of September 30, 2025
Total Loans Receivable, Net	$1,540,031 thousand
Total Loans (Alternative Reporting)	$1.56 billion
Total Deposits	$1.75 billion
New Residential Mortgages Originated (Q3 2025)	$76.4 million
Residential Mortgages Sold (Q3 2025)	$68.3 million
Total Assets	$2.12 billion

The types of loans driving the $1.56 billion portfolio include:

• Residential loans
• Commercial real estate loans
• Commercial loans
• Consumer loans
• Home equity loan products
• Agricultural loans

Eagle Bancorp Montana, Inc. (EBMT) - Canvas Business Model: Cost Structure

You're looking at the core expenses Eagle Bancorp Montana, Inc. (EBMT) incurs to run its community banking operations as of late 2025. This structure is heavily influenced by the cost of funds and operational efficiency, especially given the recent strategic shifts.

Interest expense on deposits and borrowings reflects the ongoing management of the funding mix. The bank has actively worked to reduce reliance on more volatile or costly funding sources, which is a key cost control measure. For the third quarter of 2025, total interest expense was reported at $9,146 thousand (or $9.146 million), down from $10,958 thousand in the preceding quarter, showing a positive impact from funding adjustments. This decrease was driven by lower costs on savings and money market accounts, alongside a reduction in short-term borrowings. Management noted that interest expense decreased by $1.7 million quarter-over-quarter due to these actions.

Interest Expense Component (Q3 2025, in thousands)	Amount
Interest expense on deposits	7,179
FHLB advances and other borrowings	1,144
Other long-term debt	823
Total interest expense	9,146

Noninterest expense for the third quarter of 2025 was reported at $18.387 million (or $18,387 thousand). This figure encompasses the costs associated with salaries, general operations, and other overhead required to support the bank's footprint across Montana. The bank's leadership has emphasized ongoing operational discipline as a driver of profitability.

The Provision for credit losses, a non-cash expense reflecting expected future loan losses, was significantly lower in Q3 2025. The recorded provision was $62 thousand for the quarter. This compares to $1.0 million in the preceding quarter, indicating an improvement in perceived credit risk or a reduction in reserves following charge-offs.

Costs related to the physical and digital infrastructure are inherent to the business. While specific line items aren't fully detailed in the top-level summary, the overall structure points to certain characteristics:

• Branch network operating costs: Eagle Bancorp Montana, Inc. is characterized as a branch-light, efficient operator, suggesting lower fixed costs associated with a large physical footprint compared to some peers.
• Technology infrastructure expenses: These are embedded within the total noninterest expense of $18.387 million for the quarter, supporting digital services and core banking systems.

Finally, mandatory operating costs tied to the banking charter include regulatory oversight and insurance. The bank saw a positive cost impact here recently:

• Regulatory compliance and deposit insurance premiums (FDIC): The noninterest expense decrease from the linked quarter was partly attributed to decreases in the FDIC assessment, as the bank's funding profile improved, driving assessment costs down. Total estimated insured deposits stood at $7.2 billion at quarter-end, representing 75.6% of total deposits.

Eagle Bancorp Montana, Inc. (EBMT) - Canvas Business Model: Revenue Streams

The primary revenue engine for Eagle Bancorp Montana, Inc. is Net Interest Income (NII), which reflects the spread earned on its assets, primarily loans, funded by its deposits and other liabilities. For the third quarter of 2025, the reported Net Interest Income was $18.688 million. This performance supported a Net Interest Margin (NIM) of 3.94% for Q3 2025, an improvement from the 3.91% recorded in the preceding quarter.

Total revenues for the trailing 12 months ending September 30, 2025, reached $87.53 million. Quarterly total revenue for Q3 2025 was reported at $23.4 million, up 2.0% from the previous quarter.

Fee-based income, categorized as Noninterest income, provides a secondary, yet important, stream. For the third quarter of 2025, Eagle Bancorp Montana reported Noninterest income of $4.717 million. This stream is bolstered by activities related to the mortgage business.

The mortgage banking segment contributes directly to revenue through loan sales. Specifically, Net mortgage banking income totaled $2.9 million in the second quarter of 2025. In that same quarter, Eagle Bancorp Montana originated $78.6 million in new residential mortgages and sold $54.6 million in residential mortgages, achieving an average gross margin on sale of approximately 3.81%.

The core of the interest revenue is derived from the loan portfolios, which include commercial, residential, and consumer lending. As of Q2 2025, total loans stood at $1.57 billion, growing 3.4% year-over-year. The composition of this earning asset base includes specific segments contributing to interest and fees:

• Commercial real estate loans grew to $675.3 million in Q2 2025.
• Agricultural and farmland loans grew by 13.5% to $317.3 million in Q2 2025.

You can see a snapshot of the key revenue components below:

Revenue Component	Period	Amount (in millions)
Total Revenues	TTM ending Sept 30, 2025	$87.53
Net Interest Income	Q3 2025	$18.688
Noninterest Income	Q3 2025	$4.717
Net Mortgage Banking Income	Q2 2025	$2.9
Total Revenues	Q3 2025	$23.4
Total Revenues	Q2 2025	$23.0

The bank's ability to generate revenue is also reflected in its margin performance. The NIM expanded to 3.91% in Q2 2025, up 17 basis points from the preceding quarter. By Q3 2025, this improved further to 3.94%.