BlastPoint's Banking Scorecard
Eagle Bank
Designations: ✓ Minority Depository Institution
Polson, MT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
- Deposits -0.5% year over year ($157.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.29%.
- Efficiency ratio 38.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.68% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Eagle Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 49.2% in tier
- + Return on Assets 0.96% above tier average
- + Net Interest Margin 1.19% above tier average
- + Efficiency Ratio 25.54% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$179.5M
+1.8% YoY
+0.9% QoQ
|
-$207.1M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$95.7M
+9.4% YoY
+10.7% QoQ
|
-$162.6M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$157.7M
-0.5% YoY
+1.0% QoQ
|
-$169.0M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
2.29%
-7.2% YoY
+1.7% QoQ
|
+0.96% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
Top 7.3% in tier |
| Net Interest Margin ? |
5.17%
-0.4% YoY
-1.5% QoQ
|
+1.19% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
Top 5.9% in tier |
| Efficiency Ratio ? |
38.94%
+9.9% YoY
+5.3% QoQ
|
-25.54% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
Top 3.1% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
60.68%
+9.9% YoY
+9.6% QoQ
|
-17.27% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
21.66%
-4.6% YoY
-12.6% QoQ
|
-0.37% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.03%
+19.4% YoY
+14.8% QoQ
|
-2.88% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.09%
-64.0% YoY
+126.9% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
15% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.7%
-1.0pp YoY -3.1pp QoQ |
-0.5pp | 22.1% | 26.8% | 22.2% | 53% |
| Brokered Deposits |
37.2%
-6.6pp YoY -18.0pp QoQ |
+29.4pp | 7.9% | 10.6% | 8.5% | 98% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
26.1%
+1.5pp YoY +3.9pp QoQ |
+14.6pp | 11.6% | 14.3% | 12.5% | 94% |
| CRE |
49.7%
-2.5pp YoY -2.1pp QoQ |
+10.1pp | 39.5% | 42.8% | 41.4% | 69% |
| 1-4 Family |
19.7%
+0.4pp YoY -1.2pp QoQ |
-12.9pp | 32.6% | 26.0% | 31.3% | 29% |
| Consumer |
2.4%
-0.2pp YoY -0.3pp QoQ |
-1.7pp | 4.1% | 2.7% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.4% | 19.7% | n/a |
| Leverage Ratio |
13.0%
+2.1pp YoY +1.7pp QoQ |
+0.9pp | 12.2% | 13.2% | 12.6% | 75% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+3 (+16.7%) YoY -1 (-4.5%) QoQ |
-38 | 58 | 284 | 482 | 12% |
| Assets per Employee ($) |
$8.5M
-12.7% YoY +5.7% QoQ |
+$1.0M | $7.5M | $8.1M | $8.8M | 74% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 21 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.6% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 3.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.0%
-4.3pp YoY -0.2pp QoQ |
+8.8pp | 12.2% | 14.2% | 11.6% | 90% |
| Cost of Funds (YTD) |
0.5%
-0.1pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 1.5% | 1.7% | 2% |
| Net Income ($, YTD) |
$2.1M
+3.9% YoY — QoQ |
-$454K | $2.6M | $14.9M | $40.4M | 54% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.