# EAGLE BANK
POLSON, MT · FDIC certificate 58282 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $179.5M | |
| Deposits | $157.7M | |
| Loans and leases | $98.5M | |
| Total equity | $20.6M | |
| Loans / deposits | 60.68% (p31 of band) | 73.59% |
| Liquid assets / assets | 43.59% (p69 of band) | |
| Uninsured deposits / deposits | 27.76% (p77 of band) | 19.81% |
| Brokered deposits | 32.70% | |
| Wholesale funding | 32.70% (p99 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.03% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -15.94% (p29 of band) | -6.57% |
| AOCI / equity | -2.55% (p8 of band) | |
| ROA (annualized) | 2.29% (p91 of band) | 1.17% |
| Net interest margin | 5.17% (p93 of band) | 3.93% |
| Efficiency ratio | 38.94% (p3 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 70% | |
| Construction % of loans | 41.90% (p74 of band) | |
| Auto loans | $1.8M (1.87% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 3 | losing money, expense ratio p90 | reserve under noncurrent |
| 2012-06 | 5 | leverage <7%, reserve under noncurrent, uninsured deposits leaving | expense ratio p90 |
| 2012-09 | 1 |  | capital falling, losing money, leverage <7%, reserve under noncurrent |
| 2012-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking |  |
| 2013-12 | 1 |  | capital falling, deposits shrinking, assets shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 2 | uninsured deposits >50% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 4 | losing money, expense ratio p90 |  |
| 2015-06 | 2 |  | losing money, expense ratio p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | brokered >10%, wholesale funding >15% | capital falling |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | uninsured deposits leaving | uninsured deposits >50% |
| 2016-12 | 3 | uninsured deposits >50% | uninsured deposits leaving |
| 2017-03 | 3 | uninsured deposits leaving | uninsured deposits >50% |
| 2017-06 | 4 | capital falling |  |
| 2017-09 | 3 | reserve under noncurrent | uninsured deposits leaving, capital falling |
| 2017-12 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2018-03 | 3 | reserve under noncurrent | uninsured deposits leaving |
| 2018-06 | 2 |  | reserve under noncurrent |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | wholesale funding >15%, capital falling |
| 2021-03 | 0 |  | brokered >10% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits >50% |
| 2022-09 | 4 | brokered >10%, capital falling |  |
| 2022-12 | 7 | wholesale funding >15%, construction >100% equity, uninsured deposits leaving |  |
| 2023-03 | 7 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 5 |  | capital falling, charge-offs p90 |
| 2023-09 | 4 |  | uninsured deposits leaving |
| 2023-12 | 2 |  | securities losses >30% of equity, construction >100% equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | uninsured deposits leaving |  |
| 2026-03 | 2 |  | uninsured deposits leaving |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [652,376 Shares in Eagle Bancorp Montana, Inc. $EBMT Purchased by BlackRock Inc. - marketbeat.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNc2dJNExuODZDTGQ5bkZpTzFXUV9WeDR1djViQUtfTG5RNGhJMHZ5cWNhM29iUUdCS0p2NDhEOXNzNXZGcHBsUy02enJMUGdRbHJBbGJhTzFGZ2twSm9sT3lLWkFzMlQ2WE14YVk5MU9mVFRZQUtVZU9SWlg1UW9qNDFWSzR1dlFKdDhTeGNXTXdoNHduNHhJcU1QTjZuaVdvT1V0UUNlR0NVUVBtOWpUNlNDS0JzUGpRZHZPTTZSdmpNZktxcWFRSXZpQ09XTnhM?oc=5) · marketbeat.com
- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2026-09-01 [Hsbc Holdings PLC Buys Shares of 46,646 Eagle Bancorp Montana, Inc. $EBMT - marketbeat.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNNFd5VzhpVFFBSUt0UU5ZVWpRbmk3VjVZVXVEZk82WExHY092ZHIwX2FZUmRLX2ZpeThmWkxFSTcwVUZoZm45Ri0zcENXT2JEQVZBbzhWVUlKYmVlY0lyaFcyTXpvYzNmdS0tY0lTLVV1TVR6a18zdU1TTWZobzlVeE15QXJhS0lWUjVSSTVhSjk3Q1YyeE4xcVpBSXBxcEt1SWJrMjJuRUh3Q25Cb0VjTXF6N25fdnNydm5xdnpRRFFhUUFUbHhOWjdB?oc=5) · marketbeat.com
- 2025-08-18 [Bay State’s Eagle Bank opens its first Maine branch — in Kennebunk - mainebiz.biz](https://news.google.com/rss/articles/CBMimAFBVV95cUxNR0U5MG55THNBTXFiVHhFbS1nS2QwalY2ZmdhMjNrUDJ0eEhLY3RRWVEwc19uUERBQ2FjU3NMNzE1WHVkTXN2TFJVMTJzbFFyTEM2SzEyNmdCOGd0R2dNYlZ4MlZLcjBiQUdnMWt4RWhlZE1GOTNlWXk3cEd1X2NQSF81X1R2Y3UtaU1tekxvOE5qcDlkVU9xVA?oc=5) · mainebiz.biz
- 2025-08-06 [Eagle Bank & Trust names new C-Suite leaders - Talk Business & Politics](https://news.google.com/rss/articles/CBMiggFBVV95cUxNaklISVBRS2J2ZGtOdC1vMzdyMXFfdTcyTXV5SWszMS03Rnk5dWNBV3poZVRXeTA4Tnk4V2pFQzRkUENMTFJQWmxfTi1EVXp5b3FpT2ZQRHNFQXNNQjZza0w3S21VZ3BrRGx3M1d0RlpfNVF1SFFzS0pvWlFYYTNUSjB3?oc=5) · Talk Business &amp; Politics
- 2022-08-17 [Fed bans former CEO of Eagle in Maryland from banking - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxPU0NKT1JRczJ5RWRQT1doSXVZZGc2am1QUkZHY3VVYWx4RFJEVjRoZDdwVmVpWl9BYTBlOWozNTdrVFZwTDlrVXJRSHRSMGk5OUx6dFRLNGhMRVBQRUtMRlYzTmlQTFVUS0VWLWF3aENzcm1MVDlURnBpV254ZjV1cUlWU0ZRVDRPTUZoXzJneFRrTG8?oc=5) · American Banker
- 2026-08-21 [Eagle Bancorp Montana (NASDAQ:EBMT) Shares Pass Above 200-Day Moving Average - What's Next? - marketbeat.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPYzh1cXRTSUtnQ2tURmZvNmFQYlgwNWFyN3BHaXA1X3prbFpnTGtsVXVqeHIzRTZycnVNZ05BOGhVMXhoR0lkRjFyQm9kQU1SRXFWdENPdksyMkJIS2VSNGFXdWNJVFpuYU5kUmFBeTV5MWV4bHJGZHBCeWdzb3VkUGlzOFVzYkp1OTVGczZQWHhYOHk3bzVJUURLZlRLYU1kZmN1dmx3RlpyYnE2dG5YZGZhdlNfaEUtb24zT082OE56LU5oQ1VWLVJLcVJuTlNuNE94Zw?oc=5) · marketbeat.com
- 2025-07-31 [Eagle Bank Presents Clean 2024 Financial Audit to CSKT Tribal Council - Char-Koosta News](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPN3ZUSEg3VFJ1TkZWbUE0eHlBcTQyNlo5dmNKREdBdGhVeVRia3VnUmFXWXNBMjdDSDYybzlUaFZuMWl1SmxtREZWS2RlWVRRaW9rQUhBMmtiTUZjT20zYkR5eWNXblNId0JVNlhmZFY0NjhWZnRBTUpBMmJqUmtjMEJqanVldnZjYk42SGw4Y2tkN0U5NUE5cDlJNlZrTmJDRXhfakYyLVRSaVdLbGpWdk54NVNsaGZrZERtY1U2cmpwR196dE42eV9SYldrNG0ybFNqb0N5ci1ya1VkQURtREFrWnA5QQ?oc=5) · Char-Koosta News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58282 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "58282", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide