BlastPoint's Banking Scorecard

Eagle Bank

$100M-$1B Specialty: Commercial MT FDIC cert 58282

Designations: ✓ Minority Depository Institution

Polson, MT

2664 banks in the $100M-$1B peer group nationally 22 in MT

Eagle Bank shows strong momentum with 5 strengths and 8.4% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 0.98% above tier average
+ Net Interest Margin 1.32% above tier average
+ Efficiency Ratio 28.31% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$177.9M +8.4% YoY -8.3% QoQ	-$208.2M	$386.1M +0.5% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$86.5M +0.6% YoY -1.1% QoQ	-$169.3M	$255.7M +1.1% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	Bottom 14.3% in tier
Total Deposits ?	$156.1M +5.9% YoY -10.4% QoQ	-$171.8M	$328.0M +0.1% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	2.25% -17.9% YoY -2.3% QoQ	+0.98%	1.27% +12.9% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	Top 8.0% in tier
Net Interest Margin ?	5.25% +0.5% YoY +0.9% QoQ	+1.32%	3.93% +6.0% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	Top 4.6% in tier
Efficiency Ratio ?	36.98% +12.3% YoY -2.3% QoQ	-28.31%	65.29% -4.5% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	Top 2.4% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	55.37% -5.0% YoY +10.3% QoQ	-21.27%	76.64% +0.8% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	Top 13.9% in tier
Non-Interest-Bearing Deposit Share ?	24.80% +11.2% YoY +5.5% QoQ	+2.78%	22.02% -1.0% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.35% +3.4% YoY +7.3% QoQ	-4.48%	15.83% +1.5% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.04% -75.3% YoY -89.1% QoQ	-0.24%	0.28% +9.3% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	Bottom 12.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 36.98%

Peer Median: 65.29%

#64 of 2664 Top 2.4% in $100M-$1B

123

Net Interest Margin

profitability

Value: 5.25%

Peer Median: 3.93%

#123 of 2664 Top 4.6% in $100M-$1B

213

Return on Assets

profitability

Value: 2.25%

Peer Median: 1.27%

#213 of 2664 Top 8.0% in $100M-$1B

371

Loan-to-Deposit Ratio

liquidity

Value: 55.37%

Peer Median: 76.64%

#371 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (4 metrics)

2322

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2322 of 2664 Bottom 12.9% in $100M-$1B

2285

Total Loans

size

Value: $86.45M

Peer Median: $255.72M

#2285 of 2664 Bottom 14.3% in $100M-$1B

2101

Total Assets

size

Value: $177.92M

Peer Median: $386.08M

#2101 of 2664 Bottom 21.2% in $100M-$1B

2059

Total Deposits

size

Value: $156.14M

Peer Median: $327.97M

#2059 of 2664 Bottom 22.7% in $100M-$1B