EBMTMEDIUM SIGNALMANAGEMENT10-K

EBMT has significantly strengthened its cybersecurity governance framework with new board oversight protocols and detailed management reporting structures.

The company has implemented comprehensive cybersecurity risk management processes, including regular board reporting and clear escalation procedures, indicating proactive risk management in response to growing cyber threats. The addition of detailed cybersecurity governance language suggests either regulatory compliance requirements or management's recognition of this as a material business risk requiring formal oversight.

Comparing 2026-03-09 vs 2025-03-14View on EDGAR →
FINANCIAL ANALYSIS

EBMT's financial position improved notably with cash roughly doubling to $63.0M while total debt declined 25% to $44.5M, demonstrating stronger liquidity and reduced leverage. Net income grew substantially alongside a meaningful reduction in credit loss provisions, suggesting improving asset quality. The sharp decline in capital expenditures from $14.1M to $4.8M may indicate reduced growth investment or completion of a major capital program.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+99.5%
$31.6M→$63.0M

Cash position surged 99.5% — strong cash generation or capital raise providing significant financial cushion.

Capital Expenditure
Cash Flow
-66%
$14.1M→$4.8M

Capex reduced 66% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Net Income
P&L
+51.7%
$9.8M→$14.8M

Net income grew 51.7% — bottom-line growth signals improving overall business health.

Provision for Credit Losses
P&L
-38.4%
$1.1M→$678K

Provisions reduced 38.4% — improving credit quality or reserve release boosting reported earnings.

Total Debt
Balance Sheet
-24.9%
$59.1M→$44.5M

Debt reduced 24.9% — deleveraging strengthens balance sheet and reduces financial risk.

Operating Cash Flow
Cash Flow
+16.1%
$28.5M→$33.1M

Operating cash flow grew 16.1% — strong conversion of earnings to cash, healthy business fundamentals.

LANGUAGE CHANGES
NEW — 2026-03-09
PRIOR — 2025-03-14
ADDED
false --12-31 FY 2025 false true true true Our Board of Directors has ultimate oversight of cybersecurity risk, which it manages as part of our enterprise risk management program.
The Board receives regular reports from our Vice President Chief Information Security Officer on various cybersecurity efforts, including risk assessments, mitigation strategies, areas of emerging risks, incidents and industry trends, and other areas of importance.
In addition, we have an escalation process in place to inform senior management and the Board of Directors of material issues.
true Our cybersecurity program is coordinated by our Vice President Chief Information Security Officer, who reports to our Senior Vice President Chief Risk Officer and Chief Administrative Officer, in partnership with our Vice President Chief Information Officer.
Our Chief Information Security Officer started with us in 2012 and holds numerous credentials including: Certified Information Systems Security Professional, Certified Public Accountant, and Certified Fraud Examiner.
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REMOVED
The outstanding number of shares of common stock of Eagle as of February 28, 2025 was 7,977,177 .
or global economic conditions and other uncertainties, including the impact of supply chain disruptions, inflationary pressures and labor shortages on economic conditions and our business; the impact of any new regulatory, policy or enforcement developments resulting from the change in U.S.
The total consideration paid was $18.93 million and included cash consideration of $9.90 million and common stock issued of $9.03 millio Business Strategy Our principal strategy is to continue our profitability through building a diversified loan portfolio and operating the Bank as a full-service community bank that offers both retail and commercial loan and deposit products in all of its markets.
Census Bureau data for 2020, it had a population of 1.08 millio n.
The following table reflects our deposit market share and ranking by county: County Total Market Share Percentage (1) Deposit Market Share Rank (1) Broadwater, MT 100.00 % 1 Cascade, MT 1.54 8 Fergus, MT 6.36 5 Gallatin, MT 4.68 8 Lewis and Clark, MT 14.93 3 Madison, MT 37.65 2 Missoula, MT 1.56 10 Park, MT 9.94 4 Ravalli, MT 3.22 6 Roosevelt, MT 49.60 2 Rosebud, MT 7.68 3 Silver Bow, MT 13.12 4 Sweet Grass, MT 40.22 1 Teton, MT 18.80 2 Valley, MT 51.52 1 Yellowstone, MT 1.10 7 (1) Source: FDIC.gov-data as o f June 30, 2024.
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