Eagle Bank (Polson, MT)
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Data as of · sourced from FFIEC call reports. How we update
Eagle Bank is an FDIC-insured commercial bank headquartered in Polson, MT, established in 2006 (FDIC certificate 58282), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $179.5M, up 1.8% from Q2 2025, the 21st largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58282
- Headquarters
- Polson, MT
- Established
- 2006
- Total assets, Q2 2026
- $179.5M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 13.03%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 092905472
- Holding company
- SALISH AND KOOTENAI BANCORPORATION
- Asset rank in state
- 21st of 35 in Montana
Eagle Bank is one of the more profitable banks of its size. The Polson, Montana bank had $180 million in assets at June 30, 2026, up 1.8% from a year earlier. It earns about $2.44 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 12% from a year earlier, to $1.1 million. Over the same year, loans grew 9.5% and deposits shrank 0.5%.
As of June 30, 2026, Eagle Bank reported a return on assets of 2.44%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Eagle Bank ranks as the 21st largest of the 35 banks based in Montana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $179.5M, loans rose 10.5% and deposits rose 1.0%. Commercial and industrial loans made up 25.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.3%. The FDIC Summary of Deposits lists a single office for it, in Polson, MT. Judged on its Q2 2026 call report, Eagle Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 80 Heritage Ln, Polson, MT 59860
- County
- Lake
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 25, 2006
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $157.7M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $173.4M
- Average total loans
- $95.1M
- Average interest-bearing deposits
- $100.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 25, 2006
- FDIC Cert
- 58282
- Fed RSSD
- 3346633
- Website
- www.eaglebankmt.com →
- Parent Holding Company
- SALISH AND KOOTENAI BANCORPORATION (RSSD 3346624)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Eagle Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Eagle Bank's total assets ranged from $133.4M (Q4 2023) to $194.0M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$179.5M total assets against $176.3M; $158.9M total liabilities against $159.1M.
$95.7M net loans and leases against $87.5M; $157.7M total deposits against $158.5M.
$58.4M securities against $61.1M; $19.9M cash and balances due against $22.4M.
$2.4M total interest income against $2.4M; $200K total interest expense against $271K.
$2.2M net interest income against $2.1M.
$89K total noninterest income against $173K; $938K total noninterest expense against $861K.
$73K provision for credit losses against $75K.
$1.1M net income against $939K.
2.44% return on assets against 2.22%; 5.28% net interest margin against 5.06%.
13.03% tier 1 leverage ratio against 10.91%.
Inside the full Eagle Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEagle Bank rankings
Its closest position to the top of a national ranking is 185 of 3,611, for ROA; its furthest is 3,550 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.12% (Q3 2025) to 2.74% (Q4 2024) and its net interest margin ran from 4.61% (Q3 2024) to 5.28% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.03% | 2.44% | 0.00% | 0.00% | 5.28% |
| Q1 2026 | 11.35% | 2.20% | 0.00% | 0.00% | 5.05% |
| Q4 2025 | 10.58% | 2.17% | 0.00% | 0.00% | 5.05% |
| Q3 2025 | 10.92% | 2.12% | 0.00% | 0.00% | 5.18% |
| Q2 2025 | 10.91% | 2.22% | 0.00% | 0.00% | 5.06% |
| Q1 2025 | 10.97% | 2.74% | 0.00% | 0.00% | 5.06% |
| Q4 2024 | 10.70% | 2.74% | 0.00% | 0.00% | 4.97% |
| Q3 2024 | 10.56% | 2.22% | 0.00% | 0.00% | 4.61% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Eagle Bank (main office) | Polson , MT | 59860 | $157.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MT, rank 25 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $425K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Eagle Bank
What are Eagle Bank's total assets?
As of the Q2 2026 filing, Eagle Bank reported total assets of $179.5 million in its FFIEC call report.
Where is Eagle Bank headquartered?
It is headquartered in Polson, MT, United States.
When was Eagle Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Eagle Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Eagle Bank?
Eagle Bank's primary federal regulator is the FDIC.
How many branches does Eagle Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Eagle Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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