{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-25-000464","form_type":"8-K","ticker":"EBMT","cik":"0001478454","company_name":"Eagle Bancorp Montana, Inc.","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.740436+00:00","generated_at":"2026-05-27T08:16:08.916980+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Eagle Bancorp Q4 net income $3.4M ($0.44 EPS) up 58% YoY; NIM expands to 3.59%","bullets":["Q4 net income $3.4M ($0.44 diluted EPS) vs $2.7M ($0.34) Q3'24 and $2.2M ($0.28) Q4'23; full year $9.8M ($1.24) vs $10.1M ($1.29).","Net interest margin 3.59%, up 27 bps YoY and 25 bps QoQ; funding costs fell to 2.69% from 2.89% Q3.","Total deposits $1.68B (+$46M YoY, +$31M QoQ); uninsured deposits 19%; no brokered CDs at year end.","Allowance for credit losses 437.7% of NPLs; nonperforming loans fell to $3.9M from $8.4M a year ago; provision recapture of $36k.","Q4 dividend $0.1425/share declared, payable Mar 7, record Feb 14; annualized yield 3.93% based on recent prices."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-25-000464","json":"https://secwatch.observer/filing/0001171843-25-000464.json","markdown":"https://secwatch.observer/filing/0001171843-25-000464.md","text":"https://secwatch.observer/filing/0001171843-25-000464.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1478454/000117184325000464/0001171843-25-000464-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1478454/000117184325000464/f8k_012725.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:16:08.916980+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}