---
title: "Eagle Bancorp Montana 10-K: $72.90M NII, $1.90 EPS, $14.84M Net Income"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/278437799.md"
description: "Eagle Bancorp Montana reported a net income of $14.84 million for the year, a 51.7% increase from the previous year, driven by higher net interest income of $72.90 million. The company achieved earnings per share of $1.90, up from $1.25. Key factors included improved loan yields, lower interest expenses, and strong mortgage sales. The bank also saw growth in core deposits and diversified its loan mix towards commercial lending. Overall, the financial performance reflects strong operational investments and revenue growth strategies."
datetime: "2026-03-09T19:25:01.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/278437799.md)
  - [en](https://longbridge.com/en/news/278437799.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/278437799.md)
---

# Eagle Bancorp Montana 10-K: $72.90M NII, $1.90 EPS, $14.84M Net Income

Eagle Bancorp Montana reported a net income of $14.84 million, up $5.06 million (51.7%) year-over-year, driven primarily by higher net interest income. The company posted net interest income of $72.90 million and interest and dividend income of $108.41 million while recording net income per share of $1.90 basic and diluted. Improved loan yields, lower interest expense and strong mortgage sales contributed to the earnings improvement.

**Financial Highlights**

-   **Net income:** $14.84 million, an increase of $5.06 million (51.7%) versus the prior year.
-   **Net interest income:** $72.90 million, up $9.46 million (14.9%) year-over-year.
-   **Interest and dividend income:** $108.41 million, up $4.20 million (4.0%); loan interest increased by $5.32 million.
-   **Interest expense:** $35.51 million, down $5.26 million (12.9%) versus the prior year.
-   **Net income per share:** $1.90 basic and diluted, compared with $1.25 basic and $1.24 diluted in the prior year.

**Business Highlights**

-   **Revenue growth drivers:** Growth in net interest income and higher mortgage gain-on-sales boosted overall revenue performance.
-   **Mortgage and servicing:** Strong mortgage origination and sales activity, including $230.9 million of loans sold and mortgage servicing rights of approximately $15.04 million supporting fee income.
-   **Deposit and funding mix:** Core non-maturity deposits grew, increasing liquidity and lowering reliance on borrowings.
-   **Loan mix diversification:** Continued shift toward commercial real estate, commercial and agricultural lending to reduce concentration in residential loans.
-   **Operational investments:** Increased staffing and software expenditures to support growth and enhance origination and servicing capabilities.

Original SEC Filing: Eagle Bancorp Montana, Inc. \[ EBMT \] - 10-K - Mar. 09, 2026

**Disclaimer**

This is an AI-powered summary. It may contain inaccuracies. Consider verifying important information with the source. Please note this summary is solely based on documents filed with the SEC.

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