TellerScore

Eagle Bank is a state-chartered bank headquartered in Polson, Montana, in business for about 20 years. At the end of Q2 2026 it reported $179.5M in total assets and $157.7M in deposits, with 1 office.

Eagle Bank has a TellerScore of 92 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 3rd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (80/100, 13.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 13.03%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.29%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 60.7% · 27.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (87 → 92), mostly because the capital cushion component improved by 21 points.

TellerScore
838892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202483
Q1 202587
Q2 202587
Q3 202587
Q4 202586
Q1 202687
Q2 202692
Tier 1 leverage ratio
5.00%9.01%13.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.29%
Q3 202410.56%
Q4 202410.70%
Q1 202510.97%
Q2 202510.91%
Q3 202510.92%
Q4 202510.58%
Q1 202611.35%
Q2 202613.03%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
2.25%2.49%2.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.50%
Q3 20242.41%
Q4 20242.51%
Q1 20252.74%
Q2 20252.46%
Q3 20252.35%
Q4 20252.30%
Q1 20262.25%
Q2 20262.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$179.5M13.03%0.00%2.29%60.7%
Q1 202687$177.9M11.35%0.00%2.25%55.4%
Q4 202586$194.0M10.58%0.00%2.30%50.2%
Q3 202587$172.9M10.92%0.00%2.35%56.3%
Q2 202587$176.3M10.91%0.00%2.46%55.2%
Q1 202587$164.1M10.97%0.00%2.74%58.3%
Q4 202483$152.2M10.70%0.00%2.51%64.7%
Q3 202484$150.7M10.56%0.00%2.41%65.7%
Q2 202484$145.4M10.29%0.00%2.50%67.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.03%
75th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets2.29%
93rd
Net interest margin5.17%
94th
Efficiency ratio38.9%
97th
Loans to deposits60.7%
82nd
Uninsured deposits27.8%
35th
Loan-loss reserves2.85%
98th
Texas ratio0.0%
95th

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
The First State Bank of ShelbyBank Shelby, MT93 out of 100, Very strong$175.6M19.4%0.00%vs
The First State Bank of MaltaBank Malta, MT70 out of 100, Strong$189.7M14.4%2.20%vs
First State Bank of ForsythBank Forsyth, MT71 out of 100, Strong$165.5M12.1%1.69%vs
The Bank of BakerBank Baker, MT74 out of 100, Strong$160.9M10.9%0.72%vs
Freedom BankBank Columbia Falls, MT78 out of 100, Strong$157.3M12.2%0.54%vs
Citizens Bank & Trust CompanyBank Big Timber, MT49 out of 100, Below average$155.4M9.9%3.15%vs

Deposit insurance

Is my money safe at Eagle Bank?

Yes. Eagle Bank is an FDIC-insured institution (FDIC certificate #58282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.8% of deposits ($43.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Eagle Bank lists 1 office in 1 city. Most locations:

  • Polson, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Eagle Bank
Type
State-chartered bank
FDIC certificate #
58282
RSSD ID
3346633
Primary regulator
FDIC
Holding company
Salish&kootenai Bcorp
Established
July 25, 2006
Headquarters
80 Heritage Ln, Polson, MT 59860
Employees
21

Quick answers

Eagle Bank: common questions

Is Eagle Bank FDIC insured?

Yes. Eagle Bank is an FDIC-insured institution (FDIC certificate #58282). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Eagle Bank's TellerScore?

92 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Eagle Bank ever failed?

There is no failure record for FDIC certificate #58282 in the FDIC failed bank list.

How many branches does Eagle Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Polson

InstitutionScoreAssetsCapitalProblem loansCompare
Whitefish Credit Union AssociationCredit union Whitefish, MT76 out of 100, Strong$2.1B12.7%0.15%vs
Valley Bank of RonanBank Ronan, MT69 out of 100, Moderate$218.1M9.3%0.26%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Park Side Financial Credit UnionCredit union Whitefish, MT68 out of 100, Moderate$390.4M9.4%0.20%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs
Unity BankBank Augusta, WI27 out of 100, Low$574.8M8.8%8.39%vs