---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-23-006354"
form_type: "8-K"
ticker: "EBMT"
cik: "0001478454"
company_name: "Eagle Bancorp Montana, Inc."
filed_at: "2023-10-24T23:59:59+00:00"
generated_at: "2026-06-09T13:55:38.994250+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Eagle Bancorp Montana Q3 2023 net income $0.34 EPS; NIM contracts to 3.41%; loans up 12.5% YoY

## Summary
- Q3 net income $2.6M ($0.34 diluted EPS), down from $0.40 year ago, up from $0.26 prior quarter.
- Net interest margin fell to 3.41% from 4.18% a year ago; funding costs rose to 2.37%.
- Total loans grew 12.5% YoY to $1.48B; deposits decreased 3.5% YoY to $1.62B.
- Quarterly dividend of $0.14 declared, payable Dec 1, 2023, record Nov 10 (yield 4.81%).
- Nonperforming loans declined to $7.8M from $9.9M prior quarter; provision for credit losses $588k.

## SEC filing metadata
- accession: 0001171843-23-006354
- form_type: 8-K
- ticker: EBMT
- cik: 0001478454
- company_name: Eagle Bancorp Montana, Inc.
- filed_at: 2023-10-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1478454/000117184323006354/0001171843-23-006354-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1478454/000117184323006354/f8k_102423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-23-006354
- JSON: https://secwatch.observer/filing/0001171843-23-006354.json
- Plain text: https://secwatch.observer/filing/0001171843-23-006354.txt

## Key facts
- Earnings Releases
  Eagle Bancorp Montana, Inc. reported the quarter ended September 30, 2023 results: net income $2.6 million, EPS $0.34 per diluted share.
  - Period: the quarter ended September 30, 2023
  - Net income: $2.6 million
  - EPS: $0.34 per diluted share
  - Result: reported results
  source text: On October 24, 2023, Eagle Bancorp Montana, Inc. announced its results of operations for the quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1478454/000117184323006354/0001171843-23-006354-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.