# EDGAR Filing Document

**Accession Number:** 0001478454
**File Stem:** 0001171843-25-005591
**Filing Date:** 2025-8
**Character Count:** 26893
**Document Hash:** 22b3bfbe971ac5a30d46d3b4c4f2de0b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001171843-25-005591.hdr.sgml**: 20250826

**ACCESSION NUMBER**: 0001171843-25-005591

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 34

**CONFORMED PERIOD OF REPORT**: 20250826

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250826

**DATE AS OF CHANGE**: 20250826

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Eagle Bancorp Montana, Inc.
- **CENTRAL INDEX KEY:** 0001478454
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-34682
- **FILM NUMBER:** 251253574

**BUSINESS ADDRESS:**
- **STREET 1:** 1400 PROSPECT AVE.
- **STREET 2:** P.O. BOX 4999
- **CITY:** HELENA
- **STATE:** MT
- **ZIP:** 59604
- **BUSINESS PHONE:** 406-442-3080

**MAIL ADDRESS:**
- **STREET 1:** 1400 PROSPECT AVE.
- **STREET 2:** P.O. BOX 4999
- **CITY:** HELENA
- **STATE:** MT
- **ZIP:** 59604

?xml version='1.0' encoding='ASCII'?

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION** **Washington, DC 20549**

**FORM 8-K**

**CURRENT REPORT** **Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): **August 26, 2025**

**Eagle Bancorp Montana, Inc.** (Exact name of registrant as specified in its charter)

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| | | |
|:---|:---|:---|
| **Delaware** | **1-34682** | **27-1449820** |
| (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) |

---

**1400 Prospect Ave.**

**Helena, MT 59601**

(Address of principal executive offices)(Zip Code)

Registrant's telephone number, including area code: **(406) 442-3080**

Check the appropriate box if the Form 8-K filing is intended to simultaneously satisfy the reporting obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| <br> **<u>Title of each class</u>**<br>| **Trading<br> <u>Symbol(s)</u>**<br>| **Name of each exchange<br> <u>on which registered</u>**<br>|
| Common Stock, par value $0.01 per share | EBMT | Nasdaq Global Market |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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| | |
|:---|:---|
| **Item 7.01** | **Regulation FD Disclosure** |

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Executive officers of Eagle Bancorp Montana, Inc., a Delaware corporation (the "Company") will make presentations to institutional investors at various meetings during the fourth full week of August 2025. The foregoing description of information contained in the presentation is qualified by reference to such presentation materials attached as Exhibit 99.1. The Company is not undertaking to update this presentation or the information contained therein.

The information contained in and accompanying this Item 7.01 of this Current Report on Form 8-K (including Exhibit 99.1 hereto) is being furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended.

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| | |
|:---|:---|
| **Item 9.01** | **Financial Statements and Exhibits** |

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(d) The following exhibit is being furnished herewith and this list shall constitute the exhibit index:

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| | |
|:---|:---|
| <u>Exhibit No.</u> | <u>Description</u> |
| [99.1](exh_991.htm) | [Investor Presentation of Eagle Bancorp Montana, Inc.](exh_991.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **EAGLE BANCORP MONTANA, INC.** | **EAGLE BANCORP MONTANA, INC.** |
| Date: August 26, 2025 | By: | /s/ Miranda J. Spaulding |
|  |  | Miranda J. Spaulding |
|  |  | *Senior Vice President & CFO* |

---

## Exhibit 99.1

**Exhibit 99.1**

![](exh991_01.jpg)

D.A. Davidson Virtual Western Bank Summit August 26 - 27, 2025

![](exh991_02.jpg)

2 Cautionary Notice Regarding Forward - Looking Statements This presentation includes "forward - looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amen ded, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward - looking statements are based on current expectations, estimates and projections about Eagle Bancorp Montana, I nc.'s business, beliefs of its management and assumptions made by its management. Any statement that does not describe historical or current facts is a forward - looking statement, including stat ements related to our projected growth, our anticipated future financial performance, and management's long - term performance goals, as well as statements relating to the anticipated effects on results of operations and financial condition from expected developments or events, or business and growth strategies, including projections of future amortization and accretion, the impact of the anti cip ated internal growth and plans to establish or acquire banks. Forward - looking statements are typically identified by words such as "believe," "expect," "anticipate," "intend," "target," "estimate," "cont inu e," "positions," "prospects" or "potential," by future conditional verbs such as "will," "would," "should," "could," or "may," or by variations of such words or by similar expressions. These statements are not gua ran tees of future performance and involve certain risks, uncertainties and assumptions which are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expres sed or forecasted in such forward - looking statements. Potential risks and uncertainties include the following: ▪ the difficulties and risks inherent with entering new markets; ▪ general economic conditions and political events, either nationally or in our market areas that are worse than expected, whic h c ould result in, among other things, a continued deterioration in credit quality, a further reduction in demand for credit and a further decline in real estate values; ▪ our ability to raise additional capital may be impaired if markets are disrupted or become more volatile; ▪ turmoil in the financial markets and related efforts of government agencies to stabilize the financial system; ▪ volatility , disruption, or uncertainty in national and international financial markets, including as a result of geopolitical developme nts ; ▪ the effects of any U.S. federal government shutdown, closures or significant staff reductions in agencies regulating or other wis e impacting Eagle's business; ▪ the impact of any new regulatory, policy, or enforcement developments resulting from the change in U.S. presidential administ rat ion, including the implementation of tariffs and other protectionist trade policies, including any reciprocal tariffs by foreign countries; ▪ restrictions or conditions imposed by our regulators on our operations may make it more difficult for us to achieve our goals ; ▪ governmental monetary and fiscal polices as well as legislative or regulatory changes, including changes in accounting standa rds and compliance requirements, may adversely affect us; ▪ competitive pressures among depository and other traditional and non - traditional financial services providers may increase signi ficantly; ▪ changes in the interest rate environment may reduce margins or the volumes or values of the loans we make or have acquired; ▪ other financial institutions have greater financial resources and may be able to develop or acquire products that enable them to compete more successfully than we can; ▪ war or terrorist activities may cause further deterioration in the economy or cause instability in credit markets; ▪ our ability to navigate differing environmental, social, governmental, and sustainability concerns among governmental adminis tra tions, our stakeholders, and other activists that may arise from our business activities; ▪ changes or volatility in the securities markets that lead to impairment in the value of our investment securities and goodwil l; ▪ cyber incidents, or theft or loss of Company or customer data or money; ▪ volatility in Eagle's stock price due to investor sentiment and perception of the banking industry; ▪ economic, governmental or other factors may prevent the projected population, residential and commercial growth in the market s i n which we operate; and ▪ we will or may continue to face the risk factors discussed from time to time in the periodic reports we file with the SEC, in clu ding our Form 10 - K for the fiscal year ended December 31, 2024. For these forward - looking statements, we claim the protection of the safe harbor for forward - looking statements contained in the Private Securities Litigation Reform Act of 1995. You should not place undue reliance on the forward - looking statements, which speak only as of the date of this presentation. All subsequent written a nd oral forward - looking statements attributable to us or any person acting on our behalf are expressly qualified in their entirety by the cautionary statements contained or referred to in this section. W e u ndertake no obligation to publicly update or revise any forward - looking statements, whether as a result of new information, future events or otherwise. See Item 1A, Risk Factors, in our Annual Repo rt on Form 10 - K for the year ended December 31, 2024, and otherwise in our SEC reports and filings, for a description of some of the important factors that may affect actual outcomes.

![](exh991_03.jpg)

3 □ Eagle Bancorp Montana, Inc . is the holding company for Opportunity Bank of Montana ; established in 1922 , the Bank is the 4 th largest bank headquartered in Montana with 30 banking offices and has deeply embedded itself as the bank of choice within the community □ Continued execution on commercial bank model following the transition from a thrift ▪ Established commercial bank charter in 2014 ; rebranded as Opportunity Bank of Montana ▪ Diversified loan mix with higher yielding agricultural credits and increasing commercial loans ▪ Strong deposit mix : non - CDs, at 74 % of total deposits as of June 30 , 2025 ▪ Positioned for NIM expansion and improved profitability ▪ Core lines of business include : retail lending, commercial and agricultural lending, deposit products and services and mortgage origination ▪ Interest rate risk profile showing slightly liability sensitive balance sheet prepared for a decreasing rate environment □ Continuation of strong credit culture ; excellent credit quality with NPAs of 24 bps as of June 30 , 2025 □ Track record of execution on strategic initiatives : ▪ Announced Acquisition of First Community Bank in October 2021 , completed April 30 , 2022 ▪ Announced Acquisition of Western Bank of Wolf Point in August 2019 , completed January 2020 ▪ Announced Acquisition of State Bank of Townsend in August 2018 , completed January 2019 ▪ Announced Acquisition of Ruby Valley Bank in September 2017 , completed January 2018 ▪ Successful acquisition and integration of seven branches from Sterling Financial in 2012 Community Focused Institution

![](exh991_04.jpg)

4 Company Overview □ 30 branches in Montana operating under the Company's banking subsidiary – Opportunity Bank of Montana □ Balance Sheet (6/30/25): ▪ Assets $2.138 billion ▪ Gross Loans $1.570 billion ▪ Deposits $1.738 billion ▪ Total equity $180.6 million □ Asset Quality (6/30/25): ▪ NPAs/assets – 0.24% □ Profitability for YTD 2025: ▪ Net income of $6.5 million ▪ Diluted EPS of $0.83 ▪ NIM – 3.82% ▪ ROAA – 0.62% ▪ ROAE – 7.27% EBMT Branches

![](exh991_05.jpg)

5 Chantelle Nash SVP and Chief Risk Officer and Chief Administrative Officer 1 8 years with the Company 1 8 years in banking Mark O'Neill SVP and Chief Lending Officer 9 years with the Company 2 9 years in banking Darryl Rensmon E VP and Chief Operating Officer 8 years with the Company 39 years in IT Linda Chilton SVP and Chief Retail Officer 10 years with the Company 41 years in banking Alana Binde SVP and Chief Human Resource Officer 16 years with the Company 16 years in banking Laura Clark President and CEO 11 years with the Company 51 years in banking Rachel Amdahl SVP and Chief Operations Officer 3 8 years with the Company 3 8 years in banking Dale Field SVP and Chief Credit Officer 23 years with the Company 2 7 years in banking Miranda Spaulding SVP and Chief Financial Officer 12 years with the Company 24 years in accounting/finance Experienced Executive Management

![](exh991_06.jpg)

6 Experienced Board Year Elected Experience Director 2022 President & CEO of Opportunity Bank and the Company Laura F. Clark 2007 Retired President of a Montana telecommunications company Rick F. Hays 1998 Retired Vice President of Carroll College Thomas J. McCarvel 2007 Retired President and CEO of Opportunity Bank and the Company Peter J. Johnson 2010 Retired Executive Director of Montana Homeownership Network/NeighborWorks Montana Maureen J. Rude 2015 Co - founder of JWT Capital, LLC, a real estate development and operating company Shavon R. Cape 2015 Retired President of Abatement Contractors of Montana, LLC, specializing in environmental remediation Tanya J. Chemodurow 2018 Retired Market President of Opportunity Bank, former CEO of Ruby Valley Bank Kenneth M. Walsh 2018 Chief Operating Officer of Jeffery Contracting Corey I. Jensen 2019 Principal at Pinion Cynthia A. Utterback 2022 Retired Business Development Officer for Opportunity Bank, Former President of First Community Bank Samuel D. Waters

![](exh991_07.jpg)

7 □ Continue to diversify our loan portfolio into commercial (C&I), commercial real estate and agriculture □ Attract and retain lower - cost core deposits □ Continue to expand our franchise through selective acquisitions and branch additions □ Maintain high asset quality levels □ Continue to operate as a community oriented financial institution Business Strategy

![](exh991_08.jpg)

Key Montana Markets – Helena, Missoula, Great Falls Lewis and Clark County (Helena) Cascade County (Great Falls) Missoula County (Missoula) • Helena is the state capital of Montana. • Stable economy supported by state government, healthcare, education, and small business. • Government positions account for 70% of Helena's workforce. • Home to Carroll College, a top - ranked private liberal arts college. • Great Falls MSA is the 3rd largest metropolitan area in Montana by population. • Relatively new market for EBMT - Bank formally entered the Great Falls market in 2017. • Diverse regional economy is anchored by agriculture, military, manufacturing and tourism. • Trade hub for the Golden Triangle region, an area known for high quality agriculture production. • Missoula MSA is the 2nd largest metropolitan area in Montana by population. • Home to the University of Montana (Approximately 11,000 students). • Regional hub for a wide range of retail, professional and service activities. Source(s): S&P Global Market Intelligence as of June 30, 2024 8 MT Rank Institution (State) Branches Deposits Market Share 1Glacier Bancorp Inc. (MT) 5 561,280$24.3% 2First Interstate BancSystem (MT) 4 423,102 18.3% 3Eagle Bancorp Montana Inc. (MT) 4 344,275 14.9% 4Wells Fargo & Co. (CA) 2 299,876 13.0% 5Stockman Financial Corp. (MT) 2 284,986 12.4% 6U.S. Bancorp (MN) 1 195,097 8.5% 7Ascent Bancorp (MT) 2 85,663 3.7% 8Forstrom Bancorp. Inc. (MN) 1 38,013 1.7% 9JPMorgan Chase & Co. (NY) 1 25,821 1.1% 10Countricorp (MT) 1 23,502 1.0% Total For Institutions In Market 25 2,306,436$ MT Rank Institution (State) Branches Deposits Market Share 1Glacier Bancorp Inc. (MT) 8 843,551$23.2% 2First Interstate BancSystem (MT) 3 826,868 22.8% 3Stockman Financial Corp. (MT) 3 466,928 12.9% 4Wells Fargo & Co. (CA) 2 364,559 10.0% 5U.S. Bancorp (MN) 2 338,013 9.3% 6Bitterroot Holding Co. (MT) 7 290,662 8.0% 7Bancorp of Montana Holding Co. (MT) 1 268,393 7.4% 8Farmers State Financial Corp. (MT) 3 63,565 1.8% 9First National Bancorp Inc. (MT) 2 58,388 1.6% 10Eagle Bancorp Montana Inc. (MT) 1 56,534 1.6% Total For Institutions In Market 33 3,629,134$ MT Rank Institution (State) Branches Deposits Market Share 1First Interstate BancSystem (MT) 3 520,773$25.8% 2Stockman Financial Corp. (MT) 3 463,289 23.0% 3U.S. Bancorp (MN) 3 404,113 20.0% 4Wells Fargo & Co. (CA) 2 319,725 15.9% 5Bravera Holdings Corp. (ND) 2 85,878 4.3% 6Belt Valley Bank (MT) 1 62,569 3.1% 7Forstrom Bancorp. Inc. (MN) 1 51,403 2.6% 8Stockmens Bank (MT) 1 37,539 1.9% 9Eagle Bancorp Montana Inc. (MT) 1 31,003 1.5% 10Montana Security Inc. (MT) 1 29,807 1.5% Total For Institutions In Market 21 2,038,135$

![](exh991_09.jpg)

Key Montana Markets – Bozeman, Billings, Butte Gallatin County (Bozeman) Silver Bow (Butte) Yellowstone County (Billings) • Fastest growing area in Montana, and one of the fastest growing counties in the Western U.S. • Home to Montana State University, the largest university in the state (16,000+ students). • Local economy is tied to technology, healthcare, education and tourism. • High - tech center of Montana. • Originally one of the largest industrial mining and smelting regions in the country, Butte has now evolved into a diverse regional economy. • Local economy is tied to mining, agriculture processing, healthcare, business services, tourism and education. • Home to Montana Tech, a public engineering and technical university (~2,500 students). • The Billings MSA is the largest metropolitan area in Montana by population. • Serves as the regional hub for more than 500,000 people across a four state region. • Diverse economy supported by transportation, manufacturing, hospitality, medical, energy and other business and consumer services. Source(s): S&P Global Market Intelligence as of June 30, 2024 9 MT Rank Institution (State) Branches Deposits Market Share 1Glacier Bancorp Inc. (MT) 10 1,761,115$36.6% 2First Interstate BancSystem (MT) 4 686,658 14.3% 3Stockman Financial Corp. (MT) 5 556,478 11.6% 4Wells Fargo & Co. (CA) 2 457,361 9.5% 5Guaranty Dev. Co. (MT) 3 338,572 7.0% 6U.S. Bancorp (MN) 2 305,011 6.3% 7MSB Financial Inc. (MT) 4 227,335 4.7% 8Eagle Bancorp Montana Inc. (MT) 3 225,332 4.7% 9Bozeman Bancorp Inc. (MT) 1 89,731 1.9% 10Yellowstone Holding Co. (MT) 1 56,718 1.2% Total For Institutions In Market 42 4,817,209$ MT Rank Institution (State) Branches Deposits Market Share 1Wells Fargo & Co. (CA) 1 206,440$23.8% 2Glacier Bancorp Inc. (MT) 3 191,754 22.1% 3First National Bancorp Inc. (MT) 1 116,390 13.4% 4Eagle Bancorp Montana Inc. (MT) 1 113,657 13.1% 5U.S. Bancorp (MN) 1 98,404 11.4% 6Forstrom Bancorp. Inc. (MN) 1 60,311 7.0% 7Butte Bank Shares Inc. (MT) 2 54,650 6.3% 8Bridger Co. (MT) 1 24,924 2.9% Total For Institutions In Market 11 866,530$ MT Rank Institution (State) Branches Deposits Market Share 1First Interstate BancSystem (MT) 9 1,658,385$23.8% 2U.S. Bancorp (MN) 4 1,511,991 21.7% 3Stockman Financial Corp. (MT) 6 1,147,242 16.5% 4Glacier Bancorp Inc. (MT) 9 897,774 12.9% 5Wells Fargo & Co. (CA) 4 874,938 12.6% 6Yellowstone Holding Co. (MT) 5 585,707 8.4% 7Eagle Bancorp Montana Inc. (MT) 3 76,976 1.1% 8Bitterroot Holding Co. (MT) 1 72,055 1.0% 9Bravera Holdings Corp. (ND) 2 66,447 1.0% 10JPMorgan Chase (NY) 2 37,549 0.5% Total For Institutions In Market 47 6,966,174$

![](exh991_10.jpg)

10 $200 $213 $238 $251 $287 $306 $333 $332 $508 $516 $560 $630 $674 $717 $854 $1,054 $1,258 $1,436 $1,880 $0 $200 $400 $600 $800 $1,000 $1,200 $1,400 $1,600 $1,800 $2,000 Non-Acquired Assets Acquired Assets April 2022 Assets: $370M Loans: $191M Deposits: $321M Acquired An Expanding Franchise Source: S&P Capital IQ Pro, Company filings and call report data Note: Bank level financial information for acquired companies and branches at closing or most recent quarter ▪ EBMT has successfully executed on it's growth strategy, through both organic growth and acquisitions, and has produced results ▪ Strong track record of successfully integrating acquisitions - EBMT has been the most active acquiror of Montana banks over the last four years ▪ Complementary combinations have provided increased scale and diversification November 2012 Loans: $41M Deposits: $181M Acquired 7 Montana Branches from January 2020 Assets: $100M Loans: $41M Deposits: $77M Acquired January 2019 Assets: $108M Loans: $92M Deposits: $92M Acquired January 2018 Assets: $90M Loans: $55M Deposits: $78M Acquired

![](exh991_11.jpg)

Financial Highlights

![](exh991_12.jpg)

12 Net Interest Income & Net Interest Margin $2 , 0 $3 , 0 $4 , 0 $5 , 0 $6 , 0 $7 , 0 $8 , 0 $9 , 0 $1 0 , 2 . 8 0 3 . 0 0 3 . 2 0 3 . 4 0 3 . 6 0 3 . 8 0 4 . 0 0 4 . 2 0 4 . 4 0 4 . 6 0 Net Interest Income Net Interest Margin 3.87% 3.75% 3.64% 4.09% 4.18% 4.10% 3.86% 3.47% 3.41% 3.32% 3.33% 3.41% 3.34% 3.59% 3.74% 3.91% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% $0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000 $18,000 $20,000 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 Net Interest Income Net Interest Margin Net interest income in 000's

![](exh991_13.jpg)

13 Provision for Credit Losses $3,130 $861 $2,001 $1,456 $518 $1,080 $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 2020 2021 2022 2023 2024 YTD 2025 Provision for credit losses on loans starting in 2023, provision for loan losses for prior periods $ in 000's

![](exh991_14.jpg)

14 Balance Sheet Expansion $1,258 $1,436 $1,948 $2,076 $2,103 $2,138 $841 $933 $1,354 $1,484 $1,521 $1,570 $1,033 $1,223 $1,635 $1,635 $1,681 $1,738 $0 $500 $1,000 $1,500 $2,000 $2,500 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 6/30/2025 Assets Total Loans Deposits $ in millions

![](exh991_15.jpg)

15 Commercial & Industrial , 10% Commercial Real Estate , 43% Construction & Land Development , 6% Residential 1 - 4 and Construction , 12% Home Equity , 7% Agriculture & Farm , 20% Consumer , 2% Loan Portfolio Composition – 6/30/2025 □ 37 Commercial/Ag lenders □ 15 Mortgage lenders □ C&I accounts for 10% of loan portfolio □ Owner - occupied CRE loans represent 12% of total loans Excludes loans held for sale Loan Portfolio Detail

![](exh991_16.jpg)

16 CRE Loan Portfolio Composition – 6/30/2025 Excludes loans held for sale Multifamily , 17% Lessors of nonresidential buildings, 9% Hotels and other travel accommodations, 12% Office space , 9% Industrial/warehouse , 10% Other, 43% CRE Portfolio Detail

![](exh991_17.jpg)

17 Non Interest Checking 24% Interest Bearing Checking 12% Savings 12% Money Market 26% Time Certificates 26% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 2Q25 Time Certificates Money Market Savings Interest Checking Non Interest Checking June 30, 2025 Deposit Mix – Rolling 8 Quarters □ Deposit costs were 162 basis points for 2Q25 □ Non - Interest Bearing accounts represent 24% of total deposits at 2Q25 □ MMDA & Checking accounts represent 62% of total deposits at 2Q25 (000's) 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 Non Interest Checking 435,655$418,727$408,781$400,113$419,760$419,211$411,272$417,324$ Interest Bearing Checking 225,573 211,101 217,654 210,277 209,061 221,476 211,422 205,021 Savings 233,181 230,711 229,248 220,136 212,239 210,572 212,462 205,596 Money Market 326,718 330,274 339,796 359,752 351,097 367,094 396,399 450,685 Time Certificates 394,351 444,382 440,120 428,587 458,355 462,875 458,411 459,299 Total 1,615,478$1,635,195$1,635,599$1,618,865$1,650,512$1,681,228$1,689,966$1,737,925$ Funding Overview – Deposit Composition

![](exh991_18.jpg)

18 0.68% 0.49% 0.40% 0.41% 0.19% 0.24% 0.00% 0.10% 0.20% 0.30% 0.40% 0.50% 0.60% 0.70% 0.80% 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 6/30/2025 Nonperforming Assets/Total Assets Disciplined Credit Culture Effective January 1, 2023, the Company adopted ASU No. 2022 - 02, Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings ("TDRs") and Vintage Disclosures. The update eliminated the recognition and measurement of TDRs, therefore, TDRs are not included in nonpe rfo rming assets starting in 2023.

![](exh991_19.jpg)

19 Yield and Cost of Funds 0.00% 2.00% 4.00% 6.00% 8.00% 2020Y 2021Y 2022Y 2023Y 2024Y 2Q25 Yield on Average Earning Assets EBMT Peer Group 0.00% 2.00% 4.00% 6.00% 8.00% 2020Y 2021Y 2022Y 2023Y 2024Y 2Q25 Yield on Loans EBMT Peer Group 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 2020Y 2021Y 2022Y 2023Y 2024Y 2Q25 Cost of Funds EBMT \*Peer Group data as of the quarter ended December 31, 2024. Peer group includes PFLC, RVSB, CSHX, FSBW, TSBK, SFBC, OVLY, NRI M, CZBC, SSBI & FNRN. Source: S&P Global Market Intelligence \* \*

![](exh991_20.jpg)

20 Capital Strength Total Assets 1,435,926$1,948,384$2,075,666$2,103,090$2,137,633$ Total Common Stockholders' Equity 156,729$158,416$169,273$174,765$180,638$ Total Regulatory Capital 164,639$219,595$229,171$236,531$241,673$ Tier 1 Leverage Ratio 9.75% 7.78% 7.57% 7.80% 7.96% Tier 1 Risk Based Capital Ratio 12.64% 9.67% 9.29% 9.59% 9.57% Total Risk Based Capital Ratio 15.18% 14.10% 13.61% 13.90% 13.82% Common Equity Tier 1 (CETI) Ratio 12.18% 9.35% 8.99% 9.30% 9.28% Tangible Common Equity Ratio 9.49% 6.10% 6.32% 6.57% 6.77% 2Q25($ in 000s) 2022Y 2023Y 2024Y2021Y

![](exh991_21.jpg)

Laura Clark President and CEO Office: (406) 442 - 3080 Direct: (406) 457 - 4007 lclark@oppbank.com www.opportunitybank.com 1400 Prospect Avenue P.O. Box 4999 Helena, MT 59604 Miranda Spaulding SVP and Chief Financial Officer Office: (406) 442 - 3080 Direct: (406) 441 - 5010 mspaulding@oppbank.com