Eagle Bancorp Montana, Inc. (EBMT)

Eagle Bancorp Montana Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	96.73	92.28	79.42	60.35	45.13	45.38
Interest Income on Investments	11.01	11.93	12.19	9.11	4.61	4.27
Total Interest Income	107.74	104.21	91.62	69.46	49.75	49.65
Interest Paid on Deposits	28.14	27.84	17.86	3.12	1.47	3.61
Interest Paid on Borrowings	9.07	12.94	11.28	3.03	1.73	2.87
Total Interest Expense	37.22	40.77	29.14	6.15	3.21	6.48
Net Interest Income	70.53	63.44	62.48	63.31	46.54	43.17
Net Interest Income Growth (YoY)	14.03%	1.54%	-1.32%	36.04%	7.81%	11.31%
Mortgage Banking Activities	10.8	10.01	14.97	19.49	41.04	42.05
Gain (Loss) on Sale of Assets	-	-	-	-	-	0
Gain (Loss) on Sale of Investments	-0.14	-0.14	-0.22	-0.01	-	0.73
Other Non-Interest Income	5.85	6.26	6.22	5.07	3.94	5.18
Total Non-Interest Income	18.11	17.78	22.72	26.22	46.18	49.07
Non-Interest Income Growth (YoY)	-4.75%	-21.77%	-13.34%	-43.23%	-5.88%	105.81%
Revenues Before Loan Losses	88.64	81.21	85.2	89.53	92.72	92.24
Provision for Loan Losses	1.11	0.52	1.46	2	0.86	3.13
Revenue	87.53	80.7	83.74	87.53	91.86	89.11
Revenue Growth (YoY)	9.36%	-3.64%	-4.33%	-4.71%	3.09%	48.51%
Salaries and Employee Benefits	40.46	38.85	42.3	43.55	47.74	38.15
Occupancy Expenses	8.46	8	7.36	5.1	5.73	4.4
Federal Deposit Insurance	1.01	1.17	1.15	0.56	0.33	0.22
Amortization of Goodwill & Intangibles	1.24	1.39	1.59	1.33	0.57	0.66
Selling, General & Administrative	12.91	12.99	12.7	12.36	9.81	8.64
Other Non-Interest Expense	6.93	6.92	7	8.55	8.37	7.65
Total Non-Interest Expense	71.02	69.31	72.09	71.44	72.56	59.72
EBT Excluding Unusual Items	16.52	11.39	11.65	16.09	19.31	29.39
Asset Writedown	-	-	-	0.06	0.74	-0.79
Pretax Income	16.52	11.39	11.65	13.85	19.28	28.44
Income Tax Expense	2.98	1.61	1.6	3.15	4.86	7.23
Net Income	13.54	9.78	10.06	10.7	14.42	21.21
Net Income to Common	13.54	9.78	10.06	10.7	14.42	21.21
Net Income Growth	59.11%	-2.77%	-6.03%	-25.79%	-32.01%	95.05%
Basic Shares Outstanding	8	8	8	7	7	7
Diluted Shares Outstanding	8	8	8	7	7	7
Shares Change (YoY)	-0.07%	0.71%	5.58%	10.98%	-2.41%	5.95%
EPS (Basic)	1.73	1.25	1.29	1.45	2.17	3.12
EPS (Diluted)	1.72	1.24	1.29	1.45	2.17	3.11
EPS Growth	58.15%	-3.88%	-11.04%	-33.09%	-30.32%	84.02%
Dividend Per Share	0.575	0.568	0.557	0.537	0.472	0.388
Dividend Growth	1.77%	1.79%	3.72%	13.76%	21.93%	2.65%
Effective Tax Rate	18.02%	14.15%	13.71%	22.73%	25.22%	25.44%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q