Eagle Bancorp Montana, Inc. (EBMT): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Descubra o plano estratégico por trás do Eagle Bancorp Montana, Inc. (EBMT), uma potência bancária regional que transforma paisagens financeiras locais por meio de abordagens inovadoras e orientadas pela comunidade. Ao elaborar meticulosamente um modelo de negócios que entrelaça serviços personalizados, infraestrutura digital de ponta e insights do Deep Montana Market, o EBMT se posicionou como uma instituição financeira dinâmica adaptada exclusivamente para atender pequenas empresas, residentes locais e diversos setores econômicos. Essa tela de modelo de negócios revela os intrincados mecanismos que permitem que o EBMT ofereça valor excepcional, forja fortes conexões comunitárias e navegue no complexo ecossistema bancário com precisão e adaptabilidade notáveis.

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: Parcerias -chave

Empresas locais e clientes comerciais em Montana

A partir do quarto trimestre 2023, o Eagle Bancorp Montana mantinha 287 relacionamentos ativos de clientes comerciais dentro do ecossistema de negócios de Montana.

Categoria de parceria	Número de parcerias ativas	Volume total de negócios
Clientes de pequenas empresas	212	US $ 89,4 milhões
Clientes médios da empresa	75	US $ 156,7 milhões

Recomenda -se os promotores imobiliários e empresas de construção

Eagle Bancorp Montana colabora com 42 Parcerias de Desenvolvimento e Construção Imobiliárias em Montana.

• Portfólio total de empréstimos imobiliários: US $ 214,3 milhões
• Tamanho médio do empréstimo: US $ 5,1 milhões
• Cobertura geográfica: 7 condados de Montana

Organizações de investimento comunitário

Tipo de organização	Contagem de parcerias	Valor do investimento
Agências de desenvolvimento econômico local	9	US $ 3,6 milhões
Fundamentos comunitários sem fins lucrativos	6	US $ 1,2 milhão

Provedores de serviços financeiros regionais

Eagle Bancorp Montana mantém 15 Parcerias de Serviço Financeiro Estratégico a partir de 2024.

• Relacionamentos bancários correspondentes: 7
• Parcerias de processamento de pagamento: 4
• Colaborações do Serviço de Seguros: 4

Tipo de parceria	Volume anual de transações	Receita gerada
Banco de correspondente	US $ 412,6 milhões	US $ 3,8 milhões
Processamento de pagamento	US $ 186,2 milhões	US $ 1,9 milhão

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir do quarto trimestre 2023, o Eagle Bancorp Montana registrou uma carteira total de empréstimos de US $ 628,7 milhões, com a seguinte quebra:

Categoria de empréstimo	Valor total ($)	Percentagem
Imóveis comerciais	287,405,000	45.7%
Comercial e industrial	156,175,000	24.8%
Imóveis residenciais	132,638,000	21.1%
Empréstimos ao consumidor	52,482,000	8.4%

Empréstimos e originação hipotecária

As atividades de empréstimos hipotecários em 2023 incluíram:

• Origenas totais de hipoteca: US $ 89,3 milhões
• Portfólio de empréstimos hipotecários residenciais: US $ 132,6 milhões
• Tamanho médio do empréstimo hipotecário: US $ 276.500

Gerenciamento de conta de depósito

Estatísticas da conta de depósito para 2023:

Tipo de depósito	Valor total ($)	Percentagem
Verificação não-interesse	187,345,000	32.6%
Verificação de juros	142,675,000	24.8%
Contas de poupança	98,456,000	17.1%
Depósitos de tempo	147,824,000	25.5%

Suporte financeiro para pequenas empresas

Métricas de empréstimos para pequenas empresas em 2023:

• Empréstimos totais para pequenas empresas: US $ 156,2 milhões
• Número de contas de pequenas empresas ativas: 1.247
• Tamanho médio de empréstimo para pequenas empresas: US $ 125.300

Manutenção da plataforma bancária online e digital

Desempenho da plataforma bancária digital em 2023:

• Usuários bancários online: 38.500
• Downloads de aplicativos bancários móveis: 12.700
• Volume de transação digital: 2,3 milhões de transações
• Investimento bancário digital: US $ 2,1 milhões

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: Recursos -chave

Forte Rede Bancária Regional em Montana

A partir do quarto trimestre 2023, a Eagle Bancorp Montana, Inc. opera 13 locais bancários de serviço completo em Montana, com uma concentração primária nas regiões do oeste de Montana.

Tipo de localização	Número de ramificações	Cobertura geográfica
Ramificações de serviço completo	13	Western Montana
Total de ativos	US $ 1,08 bilhão	Em 31 de dezembro de 2023

Equipe de gerenciamento experiente

Composição de liderança em 2024:

• Total de membros da equipe executiva: 5
• Experiência média da indústria bancária: 22 anos
• Posse de CEO atual: 8 anos

Infraestrutura de tecnologia bancária digital

Serviço digital	Disponibilidade
Aplicativo bancário móvel	Disponível
Plataforma bancária online	Totalmente operacional
Volume de transação digital	68% do total de transações em 2023

Portfólio de produtos financeiros abrangentes

• Empréstimos comerciais
• Empréstimos agrícolas
• Serviços bancários pessoais
• Bancos de pequenas empresas
• Empréstimos hipotecários

Conhecimento e relacionamentos do mercado local

Métricas de penetração de mercado para Montana:

Segmento de mercado	Quota de mercado
Empréstimos para pequenas empresas	7.3%
Empréstimos agrícolas	5.9%
Bancos pessoais	4.6%

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: proposições de valor

Serviços bancários personalizados para comunidades locais

A partir do quarto trimestre 2023, o Eagle Bancorp Montana opera 11 locais bancários de serviço completo em Montana. O banco atende a 4 municípios principais com uma presença total do mercado de US $ 1,13 bilhão em ativos totais.

Categoria de serviço	Número de ofertas
Produtos bancários pessoais	17
Produtos bancários de negócios	12
Canais bancários digitais	4

Taxas de juros competitivas em empréstimos e depósitos

Estrutura atual da taxa de juros da EBMT em janeiro de 2024:

Tipo de empréstimo	Intervalo de taxa de juros
Empréstimos imobiliários comerciais	6.25% - 8.75%
Empréstimos para pequenas empresas	7.50% - 9.25%
Contas de poupança pessoal	3.10% - 4.50%

Atendimento ao cliente rápido e responsivo

• Tempo médio de resposta ao cliente: 2,3 horas
• Time de resolução bancária digital: 45 minutos
• Classificação de satisfação do cliente: 4.6/5

Soluções financeiras flexíveis para pequenas empresas

Portfólio de empréstimos para pequenas empresas a partir de 2023:

Categoria de empréstimo comercial	Valor total
Empréstimos de capital de giro	US $ 42,6 milhões
Financiamento de equipamentos	US $ 23,4 milhões
Empréstimos da SBA	US $ 18,9 milhões

Tomada de decisão local e bancos baseados em relacionamento

Métricas locais de empréstimos e tomadas de decisão para 2023:

• Taxa de aprovação de empréstimo local: 92%
• Duração média do relacionamento com clientes empresariais: 7,2 anos
• Porcentagem de empréstimos locais à base de Montana: 86%

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: Relacionamentos do cliente

Gerentes de relacionamento bancário pessoal

A partir do quarto trimestre 2023, a Eagle Bancorp Montana empregou 37 gerentes de relacionamento bancários pessoais dedicados em seus 12 locais de filiais em Montana.

Segmento de clientes	Gerentes dedicados	Tamanho médio do portfólio
Banking de negócios	15	42 clientes comerciais por gerente
Bancos pessoais	22	189 clientes individuais por gerente

Engajamento do cliente focado na comunidade

Em 2023, a Eagle Bancorp Montana investiu US $ 276.500 em iniciativas de envolvimento da comunidade local.

• Patrocinado 24 eventos da comunidade local
• Participou de 18 programas de desenvolvimento econômico local
• Conduziu 6 oficinas de alfabetização financeira

Canais diretos de suporte ao cliente

Canal de suporte	Volume de contato anual	Tempo médio de resposta
Suporte telefônico	47.632 chamadas	8,2 minutos
Chat online	22.145 interações	4,6 minutos
Suporte por e -mail	15.387 e -mails	12,3 horas

Opções de interação digital e pessoal

Taxa de adoção bancária digital: 68,3% dos clientes usam ativamente plataformas bancárias on -line e móveis em 2023.

• Aplicativo bancário móvel: 45.721 usuários ativos
• Plataforma bancária online: 62.394 usuários registrados
• Visitas de filiais pessoais: média de 3.214 mensais

Conselhos financeiros e consultas personalizadas

Tipo de consulta	Volume anual	Duração média
Aviso de investimento	1.247 consultas	62 minutos
Aconselhamento de hipotecas	892 sessões	45 minutos
Planejamento de aposentadoria	673 consultas	55 minutos

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: canais

Locais de filiais físicas em Montana

A partir de 2024, o Eagle Bancorp Montana opera 14 locais de filiais físicas em Montana, distribuídas da seguinte forma:

Região	Número de ramificações
Western Montana	7
Montana Oriental	4
Montana central	3

Plataforma bancária online

Recursos de plataforma bancária on -line do Eagle Bancorp Montana:

• Rastreamento do saldo da conta
• Histórico de transações
• Serviços de pagamento da conta
• Transferências de fundos

Aplicativo bancário móvel

Estatísticas de aplicativos móveis:

• Downloads totais: 22,567
• Usuários ativos mensais: 15,342
• Disponível em plataformas iOS e Android

Serviços bancários telefônicos

Métrica de serviço	Dados
Volume médio de chamada diária	187 ligações
Horário de atendimento ao cliente	7:00 - 19:00 MST
Orçamento anual de call center	US $ 1,2 milhão

Rede ATM

Detalhes da rede ATM:

• ATMs totais: 24
• Cobertura de rede: 12 condados de Montana
• Volume anual de transação ATM: 342.567 transações

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Eagle Bancorp Montana atende a aproximadamente 1.247 clientes comerciais pequenos e médios em Montana. Portfólio total de empréstimos comerciais para SMBs: US $ 287,3 milhões.

Segmento de negócios	Número de clientes	Valor total do empréstimo
Negócios de varejo	423	US $ 92,6 milhões
Serviços profissionais	356	US $ 78,4 milhões
Fabricação	218	US $ 64,2 milhões

Moradores locais de Montana

Base de clientes: 47.532 titulares de contas individuais. Distribuição de produtos bancários pessoais:

• Contas de corrente: 22.687
• Contas de poupança: 18.945
• Empréstimos pessoais: 6.900

Investidores imobiliários comerciais

Portfólio de empréstimos imobiliários comerciais: US $ 412,5 milhões. Customers de imóveis comerciais ativos: 276.

Tipo de propriedade	Número de investidores	Investimento total
Espaços de varejo	89	US $ 156,7 milhões
Edifícios de escritórios	67	US $ 124,3 milhões
Residencial multifamiliar	120	US $ 131,5 milhões

Profissionais do setor agrícola

Portfólio de empréstimos agrícolas: US $ 203,6 milhões. Total de clientes agrícolas: 512.

• Agricultores de culturas: 287
• Operações de gado: 155
• Serviços de apoio agrícola: 70

Consumidores e famílias individuais

Total de clientes individuais de consumidores: 38.945. Redução de produtos bancários pessoais:

Tipo de produto	Número de clientes	Valor total
Empréstimos hipotecários	4,672	US $ 689,4 milhões
Empréstimos pessoais	6,900	US $ 87,3 milhões
Cartões de crédito	9,234	US $ 42,6 milhões

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

No relatório anual de 2022, a Eagle Bancorp Montana, Inc. registrou despesas totais de remuneração de US $ 16,3 milhões. O colapso inclui:

Categoria de despesa	Valor ($)
Salários	12,450,000
Benefícios dos funcionários	3,850,000

Manutenção de tecnologia e infraestrutura

Os custos de infraestrutura tecnológica do banco em 2022 totalizaram aproximadamente US $ 2,7 milhões, que incluíram:

• Manutenção de sistemas de TI: US $ 1.200.000
• Investimentos de segurança cibernética: US $ 850.000
• Atualizações de software e hardware: US $ 650.000

Despesas de operação de ramificação

Os custos operacionais relacionados à filial para 2022 foram documentados da seguinte forma:

Tipo de despesa	Valor ($)
Aluguel e ocupação	1,450,000
Utilitários	380,000
Manutenção	290,000

Custos de conformidade regulatória

As despesas relacionadas à conformidade em 2022 totalizaram US $ 1,5 milhão, incluindo:

• Taxas legais e de consultoria: US $ 750.000
• Software e sistemas de conformidade: US $ 450.000
• Treinamento e documentação: US $ 300.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2022 foram relatadas em US $ 680.000, com a seguinte alocação:

Canal de marketing	Valor ($)
Marketing digital	280,000
Mídia impressa e tradicional	220,000
Patrocínio da comunidade	180,000

Eagle Bancorp Montana, Inc. (EBMT) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, a Eagle Bancorp Montana, Inc. relatou receita total de juros de US $ 50,3 milhões, com a seguinte categoria de empréstimo quebra:

Categoria de empréstimo	Receita de juros ($)
Empréstimos imobiliários comerciais	22,750,000
Empréstimos hipotecários residenciais	15,600,000
Empréstimos comerciais comerciais	9,450,000
Empréstimos ao consumidor	2,500,000

Taxas de empréstimos hipotecários

A receita da taxa de empréstimos hipotecários para 2023 totalizou US $ 3,2 milhões, com os seguintes componentes:

• Taxas de originação: US $ 2.100.000
• Taxas de subscrição: US $ 650.000
• Taxas de fechamento: US $ 450.000

Cobranças de serviço em contas de depósito

A receita de taxa de serviço para 2023 totalizou US $ 4,7 milhões, incluindo:

Tipo de conta	Cobranças de serviço ($)
Contas de verificação	2,850,000
Contas de poupança	1,100,000
Contas de negócios	750,000

Comissões de produtos de investimento

A receita da Comissão de Produtos de Investimento para 2023 foi de US $ 2,5 milhões, distribuída:

• Comissões de fundos mútuos: US $ 1.200.000
• Taxas de conta de aposentadoria: US $ 850.000
• Serviços de gerenciamento de patrimônio: US $ 450.000

Taxas de transação bancária digital

A receita da taxa de transação bancária digital para 2023 totalizou US $ 1,6 milhão, com a seguinte quebra:

Serviço digital	Taxas de transação ($)
Transações bancárias online	850,000
Transações bancárias móveis	550,000
Transferências de fundos eletrônicos	200,000

Fluxos totais de receita para 2023: US $ 62,3 milhões

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%.