Eagle Bancorp Montana(US:EBMT) Globenewswire·2026-01-27 15:00Core View - Eagle Bancorp Montana, Inc. reported a significant increase in net income and earnings per share for the fourth quarter of 2025, reflecting strong operational performance and improved net interest margins [1][3][12]. Financial Performance - Net income for Q4 2025 rose 30.3% to $4.7 million, or $0.60 per diluted share, compared to $3.6 million, or $0.46 per diluted share, in Q3 2025, and increased 37.8% from $3.4 million, or $0.44 per diluted share, in Q4 2024 [1][5]. - For the full year 2025, net income increased 51.7% to $14.8 million, or $1.90 per diluted share, compared to $9.8 million, or $1.24 per diluted share, in 2024 [1]. - Net interest income before provision for credit losses increased 2.5% to $19.2 million in Q4 2025, and 14.9% to $72.9 million for the year [14][15]. Balance Sheet Highlights - Total assets were $2.11 billion at December 31, 2025, slightly up from $2.10 billion a year ago [4]. - Total loans were $1.52 billion, unchanged from a year earlier, but decreased from $1.56 billion at September 30, 2025 [5][7]. - Total deposits increased by $100.4 million, or 6.0%, to $1.78 billion compared to a year earlier [9]. Capital Management - Shareholders' equity rose to $191.8 million at December 31, 2025, compared to $174.8 million a year earlier [11]. - The Tier 1 capital to adjusted total average assets ratio was 10.62% as of December 31, 2025, indicating strong capital adequacy [20]. Operational Efficiency - The net interest margin (NIM) expanded to 4.08% in Q4 2025, a 14-basis point increase from the previous quarter and a 49-basis point increase year-over-year [12][13]. - The average cost of total deposits was 1.71% in Q4 2025, compared to 1.63% in the preceding quarter [9]. Dividend Declaration - The board declared a quarterly cash dividend of $0.145 per share, payable on March 6, 2026, representing an annualized yield of 2.93% based on recent market prices [2].