---
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"
generated_at: "2026-05-27T08:16:08.916980+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Eagle Bancorp Q4 net income $3.4M ($0.44 EPS) up 58% YoY; NIM expands to 3.59%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-000464
- JSON: https://secwatch.observer/filing/0001171843-25-000464.json
- Plain text: https://secwatch.observer/filing/0001171843-25-000464.txt

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