Eagle Bancorp Montana, Inc. · NASDAQ:EBMT
Eagle Bancorp Montana — Hovde Financial Services Conference 2026
23 slides from Eagle Bancorp Montana's conference presentation, Nov 5, 2026
Slide 1: Hovde Financial Services Conference November 4-6, 2026
Hovde Financial Services Conference November 4 - 6, 2026
Slide 2: Cautionary Notice Regarding Forward-Looking Statements
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 base
Slide 3: Community Focused Institution
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 commer
Slide 4: Branch Overview
4 Branch Overview Branch Locations 30 Opportunity Bank Branches Throughout Montana
Slide 5: Financial Overview
5 Financial Overview □ Balance Sheet (9/30/26): ▪ Assets $2.28 billion ▪ Gross Loans $1.72 billion ▪ Deposits $1.80 billion ▪ Total equity $192.1 million □ Asset Quality (9/30/26): ▪ NPAs/assets – 0.38% □ Profitability for Year - to - Date 2026: ▪ Net income of $10.7 million ▪ Diluted EPS of $1.36 ▪
Slide 6: Experienced Executive Management
6 Laura Clark President and CEO 12 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 24 years with the Company 2 8 years in banking Miranda Spaulding E VP and Chief Financi
Slide 7: Experienced Board
7 Experienced Board Year Elected Experience Director 2022 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
Slide 8: Business Strategy
8 □ 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 strong asset quality □ Continue to operate as a
Slide 9: Key Montana Markets – Helena, Missoula, Great Falls
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 acco
Slide 10: Key Montana Markets – Bozeman, Billings, Butte
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 (17,000+ st
Slide 11: An Expanding Franchise
11 $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 $2,282 $- $250 $500 $750 $1,000 $1,250 $1,500 $1,750 $2,000 $2,250 $2,500 2004 2005 2006 2007 2008 2009 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 12: Financial Highlights
Financial Highlights =a =>
Slide 13: Balance Sheet Expansion
13 Balance Sheet Expansion $1,436 $1,948 $2,076 $2,103 $2,106 $2,282 $933 $1,354 $1,484 $1,521 $1,519 $1,717 $1,223 $1,635 $1,635 $1,681 $1,782 $1,802 $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 9/30/2026 Assets Total Loans Deposits $ in millions
Slide 14: Loan Portfolio Detail
14 Commercial & Industrial , 10% Commercial Real Estate , 46% Construction & Land Development , 6% Residential 1 - 4 and Construction, 12% Home Equity , 7% Agricultural & Farmland, 18% Consumer , 1% Loan Portfolio Composition – 9/30/2026 □ 33 Commercial/Ag lenders □ 14 Mortgage lenders □ Owner - occ
Slide 15: CRE Portfolio Detail
15 CRE Loan Portfolio Composition – 9/30/2026 Excludes loans held for sale Multifamily , 27% Lessors of nonresidential buildings, 8% Hotels and other travel accommodations, 11% Office space , 9% Other, 45% CRE Portfolio Detail
Slide 16: Disciplined Credit Culture
16 0.49% 0.40% 0.41% 0.19% 0.27% 0.38% 0.00% 0.10% 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 9/30/2026 Nonperforming Assets/Total Assets Disciplined Credit Culture Effective January 1, 2023, the Company adopted ASU No. 2022 - 02, Financial Instruments - Cre
Slide 17: Deposit Mix – Rolling 8 Quarters
17 Non Interest Checking 25% Interest Bearing Checking 11% Savings 12% Money Market 26% Time Certificates 26% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Time Certificates Money Market Savings Interest Checking September 30, 2026 Deposit Mix – Rolling 8 Quarte
Slide 18: Net Interest Income & Net Interest Margin
18 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 3.32% 3.33% 3.41% 3.34% 3.59% 3.74% 3.91% 3.94% 4.08% 4.11% 4.1
Slide 19: Yield and Cost of Funds
19 Yield and Cost of Funds 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 2021Y 2022Y 2023Y 2024Y 2025Y YTD 2026 Yield on Average Earning Assets EBMT Peer Group 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 2021Y 2022Y 2023Y 2024Y 2025Y YTD 2026 Yield on Loans EBMT Peer Group 0.00% 0.50% 1.00% 1.
Slide 20: Provision for Credit Losses
20 Provision for Credit Losses $861 $2,001 $1,456 $518 $1,181 $2,481 $0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 2021 2022 2023 2024 2025 YTD 2026 Provision for credit losses on loans starting in 2023, provision for loan losses for prior periods $ in 000’s
Slide 21: Building Shareholder Value
21 Building Shareholder Value $2.17 $1.45 $1.29 $1.24 $1.90 $1.36 $0.00 $0.50 $1.00 $1.50 $2.00 $2.50 2021 2022 2023 2024 2025 YTD 2026 $23.07 $19.79 $21.11 $21.77 $24.10 $24.12 $0.00 $5.00 $10.00 $15.00 $20.00 $25.00 $30.00 2021 2022 2023 2024 2025 9/30/26 Diluted Earnings Per Share Book Value Per
Slide 22: Capital Strength
22 Capital Strength *The tangible common equity to tangible assets is a non - GAAP ratio that is calculated by dividing shareholders’ equity, less goo dwill and core deposit intangible, by total assets, less goodwill and core deposit intangible. September 30 , ($ in 000s) 2022 2023 2024 2025 2026 To
Slide 23: Laura Clark Chief Executive Officer Office: (406) - 3080 Direct: (406) 457 - 4007
Laura Clark Chief Executive Officer Office: (406) 442 - 3080 Direct: (406) 457 - 4007 [email protected] 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.
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