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Eagle Bancorp Montana Inc's Business Segments
Eagle Bancorp Montana Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
4
Largest Segment
Bank Servicing
Total Revenue
$ 24
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Bank Servicing22.5%
- Commodity Sales14.2%
- Debit Card5.6%
- Deposit Account3.5%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Bank Servicing | $ 5 | 22.5% |
| Commodity Sales | $ 3 | 14.2% |
| Debit Card | $ 1 | 5.6% |
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Annual Results
Revenue Share by Reportable Segment - FY
- Bank Servicing22.5%
- Commodity Sales14.2%
- Debit Card5.6%
- Deposit Account3.5%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Bank Servicing | $ 5 | 22.5% |
| Commodity Sales | $ 3 | 14.2% |
| Debit Card | $ 1 | 5.6% |
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Description of Eagle Bancorp Montana Inc
Eagle Bancorp Montana, Inc., is a Delaware corporation that holds 100.0% of the
capital stock of Opportunity Bank of Montana (“the Bank”), formerly
American Federal Savings Bank (“AFSB”). In 2014, the Board of Directors
(“the Board”) determined that it was in the Company’s best interests
to adopt a Montana community bank charter and the Company applied to the State
of Montana to form an interim bank for the purpose of facilitating the conversion
of AFSB from a federally chartered savings bank to a Montana-chartered commercial
bank. Upon receiving required approvals of the Montana Division of Banking and
Financial Institutions and the federal banking agencies for the conversion, the
conversion became effective on October 14, 2014. Concurrent with the conversion,
the Bank applied, and was approved, for membership in the Federal Reserve System
of the Board of Governors. In connection with the conversion, AFSB changed its
name to Opportunity Bank of Montana. As a result of the conversion, the Bank is
now regulated by the Montana Division of Banking and Financial Institutions. As
a Federal Reserve Board (“FRB”) member bank, its primary federal regulator
is the FRB, and the Company is a registered bank holding company regulated by
the FRB.
Eagle Bancorp Montana Inc. offers a diverse range of financial products and services designed to meet the needs of both individual and business customers. The companys offerings can primarily be categorized into several key segments, including residential lending, home equity loans, commercial real estate and land loans, real estate construction lending, and consumer loans. Each segment is tailored to serve different customer requirements and financial scenarios.
Residential Lending
Eagle Bancorp Montana Inc. actively originates residential mortgage loans for one to four-family homes within its operational markets. This segment constitutes approximately 29% of the banks total loans, highlighting its significant focus on this area. The residential mortgage loans typically allow borrowers to finance up to 80% of the lesser of the appraised value or the selling price of the property involved, without the necessity for private mortgage insurance.
Types of Residential Loans:
- Fixed-Rate Mortgage Loans: These loans offer stability for borrowers with fixed monthly payments over the loan term, which can be up to 30 years. The bank retains a substantial portion of its adjustable-rate and select fixed-rate loans (terms of 8, 10, and 12 years) in its portfolio.
- Adjustable Rate Mortgage Loans: These loans feature an interest rate that can vary over time, allowing for potential lower initial payments. The bank implements caps on rate adjustments and defines both minimum and maximum interest rates to protect borrowers against sudden increases in their loan payments.
- Loan Sales: Generally, 30-year fixed-rate mortgage loans are sold in the secondary market to optimize the bank’s balance sheet and manage liquidity, while other terms may be retained depending on market conditions and loan performance.
Home Equity Loans
In addition to direct mortgage offerings, Eagle Bancorp Montana Inc. provides home equity loans secured by a borrower’s primary residence. The loans can be leveraged for various purposes, including home improvement projects, debt consolidation, and other financial needs.
Types of Home Equity Products:
- Fixed Rate Home Equity Loans: These have fixed terms, typically not exceeding 15 years, allowing for predictable monthly payments.
- Home Equity Lines of Credit (HELOCs): These offer borrowers a revolving line of credit secured against their home equity and can have either variable or fixed interest rates. This product is particularly appealing for borrowers who may need ongoing access to funds over a period.
Commercial Real Estate and Land Loans
Eagle Bancorp Montana Inc. also focuses on lending for commercial real estate endeavors. This segment includes financing for various property types, accompanied by tailored terms to meet each borrowers unique financial situation.
Characteristics of Commercial Loans:
- Commercial Mortgages: These loans primarily serve to finance improved properties such as office buildings, retail locations, warehouses, and multi-family residential units. Typical loan amounts average around $470,000.
- Loan-to-Value Ratios: The bank adheres to a conservative limit where loans generally will not exceed 75% of either the appraised value or the selling price of the property.
- Maturities: Loans generally come with fixed interest rates and maturities ranging from 5 to 15 years.
Real Estate Construction Lending
This segment involves providing financing for the construction of one-to-four family homes. The bank extends real estate construction loans both to individual homeowners and, to a lesser extent, to contractors for building pre-sold or future sale homes.
Consumer Loans
Eagle Bancorp Montana Inc. has strategically grown its consumer lending portfolio, catering to individuals’ financial needs with various loan types. This portfolio contains personal loans secured by collateral other than real estate, as well as unsecured personal loans, lines of credit, and loans secured by deposit accounts.
Types of Consumer Loans:
- Auto Loans and Recreational Vehicle Loans: Providing financing options for the purchase of vehicles, boats, and RVs.
- Unsecured Personal Loans: These loans do not require collateral and can be used for various personal expenses.
- Deposit Account Loans: Loans secured by savings accounts may offer borrowers up to 90% of their account balance for single payment loans and up to 100% for those with monthly payments.
- Term Lengths: Most consumer loans have maturities of up to seven years, offering flexibility for borrowers seeking shorter-term financial solutions.
In summary, Eagle Bancorp Montana Inc. offers a comprehensive array of products and services designed to fulfill varied customer financial needs, from home financing solutions to consumer lending and commercial property investments. Each segment remains tailored to support the growth of its clientele while maintaining prudent lending practices.
Residential Lending
Eagle Bancorp Montana Inc. actively originates residential mortgage loans for one to four-family homes within its operational markets. This segment constitutes approximately 29% of the banks total loans, highlighting its significant focus on this area. The residential mortgage loans typically allow borrowers to finance up to 80% of the lesser of the appraised value or the selling price of the property involved, without the necessity for private mortgage insurance.
Types of Residential Loans:
- Fixed-Rate Mortgage Loans: These loans offer stability for borrowers with fixed monthly payments over the loan term, which can be up to 30 years. The bank retains a substantial portion of its adjustable-rate and select fixed-rate loans (terms of 8, 10, and 12 years) in its portfolio.
- Adjustable Rate Mortgage Loans: These loans feature an interest rate that can vary over time, allowing for potential lower initial payments. The bank implements caps on rate adjustments and defines both minimum and maximum interest rates to protect borrowers against sudden increases in their loan payments.
- Loan Sales: Generally, 30-year fixed-rate mortgage loans are sold in the secondary market to optimize the bank’s balance sheet and manage liquidity, while other terms may be retained depending on market conditions and loan performance.
Home Equity Loans
In addition to direct mortgage offerings, Eagle Bancorp Montana Inc. provides home equity loans secured by a borrower’s primary residence. The loans can be leveraged for various purposes, including home improvement projects, debt consolidation, and other financial needs.
Types of Home Equity Products:
- Fixed Rate Home Equity Loans: These have fixed terms, typically not exceeding 15 years, allowing for predictable monthly payments.
- Home Equity Lines of Credit (HELOCs): These offer borrowers a revolving line of credit secured against their home equity and can have either variable or fixed interest rates. This product is particularly appealing for borrowers who may need ongoing access to funds over a period.
Commercial Real Estate and Land Loans
Eagle Bancorp Montana Inc. also focuses on lending for commercial real estate endeavors. This segment includes financing for various property types, accompanied by tailored terms to meet each borrowers unique financial situation.
Characteristics of Commercial Loans:
- Commercial Mortgages: These loans primarily serve to finance improved properties such as office buildings, retail locations, warehouses, and multi-family residential units. Typical loan amounts average around $470,000.
- Loan-to-Value Ratios: The bank adheres to a conservative limit where loans generally will not exceed 75% of either the appraised value or the selling price of the property.
- Maturities: Loans generally come with fixed interest rates and maturities ranging from 5 to 15 years.
Real Estate Construction Lending
This segment involves providing financing for the construction of one-to-four family homes. The bank extends real estate construction loans both to individual homeowners and, to a lesser extent, to contractors for building pre-sold or future sale homes.
Consumer Loans
Eagle Bancorp Montana Inc. has strategically grown its consumer lending portfolio, catering to individuals’ financial needs with various loan types. This portfolio contains personal loans secured by collateral other than real estate, as well as unsecured personal loans, lines of credit, and loans secured by deposit accounts.
Types of Consumer Loans:
- Auto Loans and Recreational Vehicle Loans: Providing financing options for the purchase of vehicles, boats, and RVs.
- Unsecured Personal Loans: These loans do not require collateral and can be used for various personal expenses.
- Deposit Account Loans: Loans secured by savings accounts may offer borrowers up to 90% of their account balance for single payment loans and up to 100% for those with monthly payments.
- Term Lengths: Most consumer loans have maturities of up to seven years, offering flexibility for borrowers seeking shorter-term financial solutions.
In summary, Eagle Bancorp Montana Inc. offers a comprehensive array of products and services designed to fulfill varied customer financial needs, from home financing solutions to consumer lending and commercial property investments. Each segment remains tailored to support the growth of its clientele while maintaining prudent lending practices.