secwatch.observer — SEC 8-K summary
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Issuer:     Eagle Bancorp Montana, Inc. (EBMT)
CIK:        0001478454
Form:       8-K
Filed at:   2025-01-28T23:59:59+00:00
Accession:  0001171843-25-000464
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1478454/000117184325000464/0001171843-25-000464-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1478454/000117184325000464/f8k_012725.htm
  HTML page:      https://secwatch.observer/filing/0001171843-25-000464

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