# EDGAR Filing Document

**Accession Number:** 0001478454
**File Stem:** 0001171843-26-002964
**Filing Date:** 2026-5
**Character Count:** 27465
**Document Hash:** 40eb2fbbf5476d0dc83170b8ff85447f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001171843-26-002964.hdr.sgml**: 20260504

**ACCESSION NUMBER**: 0001171843-26-002964

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 35

**CONFORMED PERIOD OF REPORT**: 20260504

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260504

**DATE AS OF CHANGE**: 20260504

**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:** 26935052

**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): **May 4, 2026**

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

---

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** |

---

Executive officers of Eagle Bancorp Montana, Inc., a Delaware corporation (the "Company") will make presentations to institutional investors at various meetings during the first full week of May 2026. 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: May 4, 2026 | By: | /s/ Miranda J. Spaulding |
|  |  | Miranda J. Spaulding |
|  |  | *Executive Vice President & CFO* |

---

## Exhibit 99.1

**Exhibit 99.1**

![](exh991_01.jpg)

D.A. Davidson Financial Institutions Conference May 4 - 6, 2026

![](exh991_02.jpg)

Cautionary Notice Regarding Forward - Looking Statements 2 This presentation includes "forward - looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, 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, Inc.'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 statements 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 anticipated 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," "continue," "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 guarantees 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 expressed 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, which could 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 developments; the effects of any U.S. federal government shutdown, closures or significant staff reductions in agencies regulating or otherwise impacting Eagle's business; the direct or indirect impact of any new regulatory, policy, or enforcement developments resulting from the policies or actions of the current U.S. presidential administration, 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 standards and compliance requirements, may adversely affect us; competitive pressures among depository and other traditional and non - traditional financial services providers may increase significantly; 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 administrations, 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 goodwill; 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 markets in 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, including our Form 10 - K for the fiscal year ended December 31, 2025. 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 and 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. We undertake 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 Report on Form 10 - K for the year ended December 31, 2025, 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)

□ 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 March 31, 2026 ▪ 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 27 bps as of March 31, 2026 □ Track record of execution on strategic initiatives: ▪ Announced Acquisition of First Community Bank in October 2021, completed April 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 3 Community Focused Institution

![](exh991_04.jpg)

Branch Overview 30 Banking offices serving Montana under the Company's banking subsidiary – Opportunity Bank of Montana Branch Locations 4

![](exh991_05.jpg)

Company Overview □ 30 branches in Montana operating under the Company's banking subsidiary – Opportunity Bank of Montana □ Balance Sheet (3/31/26): ▪ Assets $2.09 billion ▪ Gross Loans $1.52 billion ▪ Deposits $1.79 billion ▪ Total equity $193.0 million □ Asset Quality (3/31/26): ▪ NPAs/assets – 0.27% □ Profitability for 1Q26: ▪ Net income of $4.0 million ▪ Diluted EPS of $0.51 ▪ NIM – 4.11% ▪ ROAA – 0.76% ▪ ROAE – 8.16% 5

![](exh991_06.jpg)

Laura Clark President and CEO 12 years with the Company 51 years in banking Rachel Amdahl SVP and Chief Operations Officer 38 years with the Company 38 years in banking Dale Field SVP and Chief Credit Officer 24 years with the Company 28 years in banking Miranda Spaulding EVP and Chief Financial Officer 12 years with the Company 25 years in accounting/finance Experienced Executive Management Chantelle Nash EVP and Chief Risk Officer and Chief Administrative Officer 19 years with the Company 19 years in banking Darryl Rensmon EVP and Chief Operating Officer 9 years with the Company 40 years in IT Linda Chilton SVP and Chief Retail Officer 11 years with the Company 41 years in banking Alana Binde SVP and Chief Human Resource Officer 17 years with the Company 17 years in banking Dustin Barber EVP and Chief Banking Officer 11 years with the Company 21 years in banking 6

![](exh991_07.jpg)

Experienced Board 7 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 Maureen J. Rude Montana 2015 Co - founder of JWT Capital, LLC, a real estate development and operating Shavon R. Cape company 2015 Retired President of Abatement Contractors of Montana, LLC, specializing in Tanya J. Chemodurow environmental remediation 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 Samuel D. Waters of First Community Bank

![](exh991_08.jpg)

□ 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 8

![](exh991_09.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. • 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. MT Rank Institution (State) Market Share 1 Glacier Bancorp Inc. (MT) 2 First Interstate BancSystem (MT) Branches Deposits 4 $559,391 3 428,271 23.5% 18.0% 3 Eagle Bancorp Montana Inc. (MT) 4 351,030 14.7% 4 Stockman Financial Corp. (MT) 5 Wells Fargo & Co. (CA) 6 U.S. Bancorp (MN) 7 Ascent Bancorp (MT) 8 Forstrom Bancorp. Inc. (MN) 9 JPMorgan Chase & Co. (NY) 10 Farmers State Financial Corp. (MT) 2 2 1 2 1 1 1 310,386 299,506 218,590 93,915 41,475 27,831 25,391 13.0% 12.6% 9.2% 3.9% 1.7% 1.2% 1.1% Total For Institutions In Market 25 $2,384,589 Branches Deposits Market Share MT Rank Institution (State) 1 First Interstate BancSystem (MT) 2 Glacier Bancorp Inc. (MT) 3 Stockman Financial Corp. (MT) 4 Wells Fargo & Co. (CA) 5 Bitterroot Holding Co. (MT) 6 U.S. Bancorp (MN) 7 Bancorp of Montana Holding Co. (MT) 3 $825,073 6 814,647 3 440,141 2 370,357 7 368,126 2 341,520 1 271,715 22.4% 22.2% 12.0% 10.1% 10.0% 9.3% 7.4% 8 Eagle Bancorp Montana Inc. (MT) 2 64,735 1.8% 9 Farmers State Financial Corp. (MT) 10 Forstrom Bancorp. Inc. (MN) 3 1 64,694 58,419 1.8% 1.6% Total For Institutions In Market 32 $3,676,703 Branches Deposits Market Share $543,174 MT Rank Institution (State) 1 Stockman Financial Corp. (MT) 2 First Interstate BancSystem (MT) 3 U.S. Bancorp (MN) 4 Wells Fargo & Co. (CA) 5 Bravera Holdings Corp. (ND) 6 Forstrom Bancorp. Inc. (MN) 7 Belt Valley Bank (MT) 3 3 3 2 2 2 1 481,978 380,771 304,466 99,386 98,823 66,325 26.2% 23.3% 18.4% 14.7% 4.8% 4.8% 3.2% 8 Eagle Bancorp Montana Inc. (MT) 1 46,206 2.2% 9 Montana Security Inc. (MT) 10 Glacier Bancorp Inc. (MT) 1 1 40,841 8,830 2.0% 0.4% Total For Institutions In Market 21 $2,071,300 Source(s): S&P Global Market Intelligence as of June 30, 2025 9

![](exh991_10.jpg)

Key Montana Markets – Bozeman, Billings, Butte Gallatin County (Bozeman) Source(s): S&P Global Market Intelligence as of June 30, 2025 10 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. Total For Institutions In Market 41 $5,024,539 26.6% $1,967,126 9 1 First Interstate BancSystem (MT) 37.2% $1,870,628 9 1 Glacier Bancorp Inc. (MT) 19.0% 1,407,257 4 2 U.S. Bancorp (MN) 13.6% 684,035 4 2 First Interstate BancSystem (MT) 15.8% 1,170,258 6 3 Stockman Financial Corp. (MT) 11.9% 595,621 5 3 Stockman Financial Corp. (MT) 13.5% 996,127 4 4 Wells Fargo & Co. (CA) 9.0% 453,543 2 4 Wells Fargo & Co. (CA) 11.9% 884,718 7 5 Glacier Bancorp Inc. (MT) 6.8% 343,063 3 5 Guaranty Dev. Co. (MT) 8.5% 632,541 5 6 Yellowstone Holding Co. (MT) 6.1% 308,597 2 6 U.S. Bancorp (MN) 0.2% 110,473 3 7 Eagle Bancorp Montana Inc. (MT) 4.8% 240,073 3 7 Eagle Bancorp Montana Inc. (MT) 0.1% 88,711 1 8 Bitterroot Holding Co. (MT) 4.6% 231,829 4 8 MSB Financial Inc. (MT) 0.1% 67,685 2 9 Bravera Holdings Corp. (ND) 1.7% 86,284 1 9 Bozeman Bancorp Inc. (MT) 0.1% 44,032 2 10 JPMorgan Chase & Co. (NY) 1.5% 74,444 1 10 Yellowstone Holding Co. (MT) Total For Institutions In Market 45 $7,405,300 Market MT Market MT Market MT Branches Deposits Share Rank Institution (State) Share Branches Deposits Institution (State) Rank Share Branches Deposits Institution (State) Rank 25.6% $238,955 2 1 Glacier Bancorp Inc. (MT) 21.7% 202,903 1 2 Wells Fargo & Co. (CA) 13.7% 128,169 3 3 First National Bancorp Inc. (MT) 12.6% 117,845 4 4 Eagle Bancorp Montana Inc. (MT) 10.1% 94,697 5 5 U.S. Bancorp (MN) 8.2% 76,423 6 6 Forstrom Bancorp. Inc. (MN) 5.5% 51,506 7 7 Butte Bank Shares Inc. (MT) 2.5% 23,079 8 8 Bridger Co. (MT) Total For Institutions In Market 11 $933,577

![](exh991_11.jpg)

$200 $213 $238 $251 $287 $306 $332 $508 $516 $560 $630 $674 $717 $854 $1,054 $1,258 $1,436 $1,948 $2,076 $2,103 $2,106 $2,092 $- $250 $500 $750 $1,000 $1,250 $1,500 $1,750 $2,000 $2,250 2004 2005 2006 2007 2008 2009 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 3/31/26 Source: S&P Capital IQ Pro, Company filings and call report data Non - Acquired Assets Note: All dollars in millions Note: Bank level financial information for acquired companies and branches at closing or most recent quarter Acquired Assets An Expanding Franchise ▪ EBMT has successfully executed on its 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 decade ▪ Complementary combinations have provided increased scale and diversification Acquired Assets: $100M Loans: $41M Deposits: $77M January 2020 Loans: $41M Deposits: $181M November 2012 Acquired 7 Montana Branches from Total Assets Assets: $108M Loans: $92M Deposits: $92M January 2019 Acquired Acquired Assets: $90M Loans: $55M Deposits: $78M January 2018 Assets: $370M Loans: $191M Deposits: $321M April 2022 Acquired 11

![](exh991_12.jpg)

Financial Highlights

![](exh991_13.jpg)

Balance Sheet Expansion $1,436 $2,076 $1,948 $2,103 $2,106 $2,092 $933 $1,354 $1,484 $1,521 $1,519 $1,519 $1,223 $1,635 $1,635 $1,681 $1,782 $1,786 $0 $500 $1,000 $1,500 $2,000 $2,500 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 3/31/2026 Assets Total Loans Deposits 13 $ in millions

![](exh991_14.jpg)

Commercial & Industrial, 10% 14 Commercial Real Estate, 44% Residential 1 - 4 and Construction, 12% Construction & Land Development, 6% Home Equity, 7% Agricultural & Farmland, 19% Consumer, 2% Loan Portfolio Composition – 3/31/2026 □ 35 Commercial/Ag lenders □ 14 Mortgage lenders □ Owner - occupied CRE loans represent 12% of total loans Excludes loans held for sale Loan Portfolio Detail

![](exh991_15.jpg)

CRE Loan Portfolio Composition – 3/31/2026 Excludes loans held for sale Multifamily, 17% 15 Lessors of nonresidential buildings, 9% Hotels and other travel accommodations, 13% Office space, 9% Industrial/warehouse, 9% Other, 43% CRE Portfolio Detail

![](exh991_16.jpg)

0.49% 16 0.40% 0.41% 0.19% 0.27% 0.27% 0.10% 0.00% 0.20% 0.30% 0.40% 0.50% 0.60% 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025 3/31/2026 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 nonperforming assets starting in 2023.

![](exh991_17.jpg)

Non Interest Checking 25% Interest Bearing Checking 12% Savings 12% Money Market 25% Time Certificates 26% 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 2Q243Q244Q241Q252Q253Q254Q251Q26 □ Deposit costs were 1.52% for 1Q26 □ Non - Interest Bearing accounts represent 25% of total deposits at 1Q26 □ MMDA & Checking accounts represent 62% of total deposits at 1Q26 Time Certificates Money Market Savings Interest Checking 17 March 31, 2026 Deposit Mix – Rolling 8 Quarters 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 3Q24 2Q24 (000's) $437,574 $452,183 $429,064 $417,324 $411,272 $419,211 $419,760 $400,113 Non Interest Checking 218,113 218,484 215,128 205,021 211,422 221,476 209,061 210,277 Interest Bearing Checking 214,133 207,789 204,367 205,596 212,462 210,572 212,239 220,136 Savings 443,473 440,971 450,787 450,685 396,399 367,094 351,097 359,752 Money Market 472,783 462,172 452,833 459,299 458,411 462,875 458,355 428,587 Time Certificates Total $1,618,865 $1,650,512 $1,681,228 $1,689,966 $1,737,925 $1,752,179 $1,781,599 $1,786,076 Funding Overview – Deposit Composition

![](exh991_18.jpg)

Net Interest Income & Net Interest Margin 3.47% 3.41% 3.32% 3.33% 3.41% 3.34% 3.59% 3.74% 3.91% 3.94% 4.08% 4.11% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% $0 $5,000 $10,000 $15,000 $20,000 $25,000 2Q23 3Q23 4Q23 3Q25 4Q25 1Q26 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 Net Interest Income Net Interest Margin 18 Net interest income in 000's

![](exh991_19.jpg)

Yield and Cost of Funds 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 1Q26 Yield on Average Earning Assets 2021Y 2022Y 2023Y 2024Y 2025Y EBMT Peer Group 7.00% 6.00% 5.00% 4.00% 3.00% 2.00% 1.00% 0.00% 1Q26 Yield on Loans 2021Y 2022Y 2023Y 2024Y 2025Y EBMT Peer Group 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 1Q26 Cost of Funds 2021Y 2022Y 2023Y 2024Y 2025Y EBMT 19 \*Peer Group data as of 12/31/25. Peer group includes PFLC, RVSB, CSHX, FSBW, TSBK, SFBC, OVLY, CWBC, NRIM, CZBC, SSBI & FNRN. Source: S&P Global Market Intelligence \* \*

![](exh991_20.jpg)

Provision for Credit Losses $861 20 $2,001 $518 $1,456 $1,181 $279 $0 $500 $1,000 $1,500 $2,000 $2,500 2021 2022 2023 2024 2025 1Q26 Provision for credit losses on loans starting in 2023, provision for loan losses for prior periods $ in 000's

![](exh991_21.jpg)

Building Shareholder Value $2.17 $1.45 $1.29 $1.24 $1.90 $0.51 $0.00 $0.50 $1.00 $1.50 $2.00 $2.50 2021 2022 2023 2024 2025 1Q26 $23.07 $19.79 $21.11 $21.77 $24.10 $24.22 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 Diluted Earnings Per Share Book Value Per Share 21

![](exh991_22.jpg)

Capital Strength 22 \*The tangible common equity to tangible assets is a non - GAAP ratio that is calculated by dividing shareholders' equity, less goodwill and core deposit intangible, by total assets, less goodwill and core deposit intangible. March 31, 2026 2025 2024 2023 2022 ($ in 000s) $2,091,851 $2,106,367 $2,103,090 $2,075,666 $1,948,384 Total Assets $192,959 $191,814 $174,765 $169,273 $158,416 Total Common Stockholders' Equity 7.55% 7.43% 6.57% 6.32% Tangible Common Equity Ratio\* 6.10% 14.46% 14.28% 13.49% 13.01% 13.04% Bank Regulatory Capital Ratios: Total Risk Based Capital Ratio 13.31% 13.15% 12.41% 11.96% 12.14% Tier 1 Risk Based Capital Ratio 13.31% 13.15% 12.41% 11.96% 12.14% Common Equity Tier 1 (CETI) Ratio 10.85% 10.62% 10.07% 9.75% 9.82% Tier 1 Leverage Ratio December 31,

![](exh991_23.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 EVP and Chief Financial Officer Office: (406) 442 - 3080 Direct: (406) 441 - 5010 mspaulding@oppbank.com Darryl Rensmon EVP and Chief Operating Officer Office: (406) 442 - 3080 Direct: (406) 441 - 5005 drensmon@oppbank.com