Eagle Bancorp Montana, Inc.: management transactions · United States · SEC (Form 4)

About Eagle Bancorp Montana, Inc.

Eagle Bancorp Montana, Inc. (NASDAQ: EBMT) is a U.S.-listed regional banking company headquartered in Helena, Montana, United States. The company is the holding company for Opportunity Bank of Montana (OBMT), its wholly owned banking subsidiary. Regulatory filings show that the bank was founded in 1922 as a Montana-chartered building and loan association and has operated from Helena ever since. For international investors, EBMT is best viewed as a small-cap community banking franchise with deep roots in a single state rather than as a diversified national financial institution. Its business model is built around conventional banking services for consumers, small businesses and local professionals. Core activities include deposit gathering, residential mortgage lending, commercial real estate lending, commercial business lending and agricultural lending. That last segment is especially relevant in Montana, where agriculture remains an important part of the local economy. The bank also earns fee income from mortgage banking, deposit account service charges and interchange-related revenues, providing a partial offset to its reliance on net interest income. From a competitive standpoint, Eagle Bancorp Montana is positioned as a relationship-driven community bank with strong local market knowledge. Its strategy is not to pursue national scale, but to develop and protect a Montana-focused banking franchise. That focus can be a strength: it supports customer loyalty, disciplined underwriting and a better understanding of local borrowers. However, it also creates concentration risk, because results are tied to the economic cycle in Montana, local real estate values and the health of the agricultural sector. Recent developments point to improving profitability. In January 2026, the company reported fourth-quarter 2025 net income of $4.7 million and a net interest margin of 4.08%, alongside continued revenue growth. Management also declared a quarterly cash dividend, which is consistent with a stable community-bank capital-return profile. First-quarter 2026 filings indicate that the company continues to lean on traditional banking activities, with mortgage banking contributing meaningfully to non-interest income and commercial real estate and agricultural loans remaining key portfolio components. Geographically, the franchise remains concentrated in Montana and operates a network of 30 banking offices. For investors, that makes EBMT a classic regional bank story: locally anchored, relatively straightforward to analyze, and potentially resilient through customer relationships, but exposed to interest-rate sensitivity, credit-cycle risk and regional concentration. The stock is listed on the NASDAQ market and the company operates in the United States.