BlastPoint's Banking Scorecard
Eagle Bank
Micro
Specialty: Commercial
MT
FDIC cert 58282
Designations: ✓ Community bank
Polson, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Eagle Bank shows strong momentum with 5 strengths and 27.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.22% above tier
- + Net Interest Margin 1.35% above tier
- + Efficiency Ratio 29.86% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$194.0M
+27.4% YoY
+12.2% QoQ
|
-$23.5M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$87.5M
-1.4% YoY
+0.6% QoQ
|
-$51.7M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$174.2M
+27.2% YoY
+12.9% QoQ
|
-$9.5M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
2.30%
-8.2% YoY
-2.2% QoQ
|
+1.22% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
5.21%
+8.6% YoY
-0.8% QoQ
|
+1.35% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
37.86%
+1.4% YoY
+0.6% QoQ
|
-29.86% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
50.20%
-22.5% YoY
-10.8% QoQ
|
-24.33% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.50%
-27.7% YoY
+1.2% QoQ
|
+1.11% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.36%
-64.0% YoY
+8.1% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.21%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
37.86%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Efficiency Ratio
Current: 37.86% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.20% · Tier avg: 74.53%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.50% · Tier avg: 22.39%
53
53th pctile
Total Deposits
Current: $174.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $194.0M · Tier avg: $217.5M
49
49th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
38
38th pctile
Total Loans
Current: $87.5M · Tier avg: $139.2M
Top Weaknesses
38
38th pctile
Total Loans
Current: $87.5M · Tier avg: $139.2M
49
49th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
50
50th pctile
Total Assets
Current: $194.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Deposits
Current: $174.2M · Tier avg: $183.7M
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.50% · Tier avg: 22.39%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.20% · Tier avg: 74.53%
93
93th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 37.86% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%