{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-24-000348","form_type":"8-K","ticker":"EBMT","cik":"0001478454","company_name":"Eagle Bancorp Montana, Inc.","filed_at":"2024-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.290282+00:00","generated_at":"2026-06-06T19:57:52.648454+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Eagle Bancorp Montana Q4 net income falls 39% YoY to $2.2M; NIM slides to 3.32%","bullets":["Q4 2023 net income $2.2M ($0.28 diluted) vs $3.6M ($0.47) Q4 2022; full-year 2023 $10.1M ($1.29) vs $10.7M ($1.45) prior year.","Net interest margin 3.32% in Q4, down from 4.10% a year ago; revenue fell 8.3% YoY to $21.0M.","Total loans grew 9.7% YoY to $1.48B; deposits flat at $1.64B but cost of deposits rose to 1.49% from 0.40% a year ago.","Declared quarterly cash dividend of $0.14 per share, unchanged; payable March 1, 2024.","Nonperforming loans increased to $8.4M from $7.8M; allowance for credit losses at 1.11% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-24-000348","json":"https://secwatch.observer/filing/0001171843-24-000348.json","markdown":"https://secwatch.observer/filing/0001171843-24-000348.md","text":"https://secwatch.observer/filing/0001171843-24-000348.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1478454/000117184324000348/0001171843-24-000348-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1478454/000117184324000348/f8k_012324.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T19:57:52.648454+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"a1b6125c5724c14d93eb5b510d3bda9ce545c191","claim":"Eagle Bancorp Montana, Inc. reported the year 2023 results: net income $10.1 million, EPS $1.29 per diluted share.","evidence_excerpt":"For the year 2023, net income was $10.1 million, or $1.29 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1478454/000117184324000348/0001171843-24-000348-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year 2023"},{"label":"Net income","value":"$10.1 million"},{"label":"EPS","value":"$1.29 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"cc6939e9ffb1232e668dbb0cba9d2fa2acadaf3a","claim":"Eagle Bancorp Montana, Inc. reported the quarter ended December 31, 2023 results: net income $2.2 million, EPS $0.28 per diluted share.","evidence_excerpt":"Eagle Bancorp Montana, Inc. announced its results of operations for the quarter ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1478454/000117184324000348/0001171843-24-000348-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$2.2 million"},{"label":"EPS","value":"$0.28 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}