---
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"
generated_at: "2026-06-06T19:57:52.648454+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Eagle Bancorp Montana Q4 net income falls 39% YoY to $2.2M; NIM slides to 3.32%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-24-000348
- JSON: https://secwatch.observer/filing/0001171843-24-000348.json
- Plain text: https://secwatch.observer/filing/0001171843-24-000348.txt

## Key facts
- Earnings Releases
  Eagle Bancorp Montana, Inc. reported the year 2023 results: net income $10.1 million, EPS $1.29 per diluted share.
  - Period: the year 2023
  - Net income: $10.1 million
  - EPS: $1.29 per diluted share
  - Result: reported results
  source text: For the year 2023, net income was $10.1 million, or $1.29 per diluted share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1478454/000117184324000348/0001171843-24-000348-index.htm
- Earnings Releases
  Eagle Bancorp Montana, Inc. reported the quarter ended December 31, 2023 results: net income $2.2 million, EPS $0.28 per diluted share.
  - Period: the quarter ended December 31, 2023
  - Net income: $2.2 million
  - EPS: $0.28 per diluted share
  - Result: reported results
  source text: Eagle Bancorp Montana, Inc. announced its results of operations for the quarter ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1478454/000117184324000348/0001171843-24-000348-index.htm

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