Eagle Bancorp Montana is the holding company for Opportunity Bank of Montana, a community bank serving individuals and small businesses across Montana through 30 full-service branches statewide, headquartered in Helena. The bank's core business is taking deposits and making loans, with a loan book weighted toward real estate: commercial real estate (42%), farmland (11%), and residential mortgages (10%) together account for roughly two-thirds of total loans, with the remainder spread across agricultural production, commercial business, construction, and home equity. Eagle earns money primarily through net interest margin — the spread between loan yields and deposit costs — with profitability driven by loan volume, mix, deposit cost management, and credit quality. Eagle also originates residential mortgages for sale into the secondary market, retaining servicing rights on approximately $2.1B of mortgages serviced for others, which generates recurring fee income. Eagle has grown largely through acquisitions of smaller Montana banks, completing four deals since 2018, extending its branch network into rural agricultural communities across the state. Going forward, Eagle plans to continue growing through organic commercial lending and opportunistic acquisitions, supported by a dedicated M&A committee. Eagle holds dominant deposit share in several rural counties but has modest share in larger urban markets like Billings and Missoula.