Eagle Bank

80 Heritage Lane
Polson, MT 59860

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 0.30% 1.90% →
2-Year CD 0.45% 1.95% →
5-Year CD 1.16% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Bank Information

Eagle Bank is an FDIC insured institution located in Polson, MT. It was founded in 2006 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58282
Date Established 2006
Assets $ 70.49 million
Loans $ 49.19 million
Deposits $ 61.93 million
Capital $ 8.20 million
 

For a more detailed analysis of Eagle Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 9, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $100 - Learn MoreShow Less
Money Market
0.07% $2,501 $50,000 Learn MoreShow Less
CD Rates APY MIN MAX
0.15% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.15% $100,000 - Learn MoreShow Less
0.20% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.20% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.27% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $500 - Learn MoreShow Less

Loan Rates - April 9, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Eagle Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.542% 4.500% 0.00 $1,250 $1,267 Learn More
Rocket Mortgage
NMLS ID: 3030
4.167% 4.125% 0.00 $1,250 $1,212 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Eagle Bank
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Branches

Eagle Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Eagle Bank Locations


Financial Details

Eagle Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Eagle Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Eagle Bank U.S. Bank Average
0.41% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Eagle Bank had $37,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,199,000 in equity and $765,000 in loans loss reserves. That gives it a Texas Ratio of 0.41%.

Return on Equity
Eagle Bank U.S. Bank Average
15.65% 9.41%

Eagle Bank has a Return on Equity of 15.65% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Eagle Bank U.S. Bank Average
11.63% 12.82%

Eagle Bank has a Capitalization of 11.63% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Eagle Bank Balance Sheet Analysis

As of December 31, 2019, Eagle Bank had assets of $70,491,000, loans of $49,186,000, and deposits of $61,928,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 3.71 million
Interest-bearing balances $ 1.99 million
Total securities $ 13.34 million
Federal funds sold and reverse repurchase $ 0.87 million
Net loans and leases $ 49.19 million
Loan loss allowance $ 0.77 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.13 million
     Total Assets $ 62.29 million
LIABILITIES
Total deposits $ 61.93 million
      Interest-bearing deposits $ 43.29 million
      Deposits held in domestic offices $ 61.93 million
      % insured (estimated) 72.27%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.36 million
      Total Liabilities $ 62.29 million
      Shareholders’ Equity $ 8.20 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 3.32 million
Total Interest Expense $ 0.26 million
Net interest income $ 3.06 million
Provision for loan and lease losses $ 0.18 million
Total non interest income $ 0.73 million
Total non interest expense $ 2.12 million
Pre-tax Net Operating Income $ 1.49 million

Bank Loan Profile?

The top three loan types in Eagle Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Montana, Eagle Bank has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.95
Multifamily
Mortgages
2.92
Credit Card Loans 0.00
Consumer Auto Loans 3.85
Small Business Loans 31.80
Construction and Development Loans 10.45
Commercial Real Estate 35.05
Commercial and Industrial Loans 22.02
Farm Loans 3.25

Frequently Asked Questions About Eagle Bank

Branches and Savings

Is Eagle Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58282.

Why does Eagle Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Eagle Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Eagle Bank a commercial bank?

Yes

Where are Eagle Bank locations?

See branch locations nearby.

Is Eagle Bank open on Saturdays?

Is Eagle Bank open on Sundays?

What time does Eagle Bank open?

What time does Eagle Bank close?

Are Eagle Bank ATMs Open 24/7?

Do Eagle Bank ATMs accept cash deposits?

Can Eagle Bank customers use other ATMs?

Do Eagle Bank branches have notaries?

Will Eagle Bank notarize my document?

What address for Eagle Bank should I put for incoming ACH transfers?

Will the Eagle Bank branch print checks?

Do Eagle Bank checks expire?

Does Eagle Bank require US citizenship to open account?

Can Eagle Bank close my account?

Does Eagle Bank Report to credit bureaus?

Does Eagle Bank Use Equifax?

What is Eagle Bank's ACH Routing Number?

What is Eagle Bank's SWIFT code?

Products

Does Eagle Bank offer mortgages?

Compare mortgage rates here.

Does Eagle Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Eagle Bank offer personal loans?

Compare personal loan rates here.

Does Eagle Bank offer student loans?

Will Eagle Bank cash a check?

Will Eagle Bank redeem a savings bond?

Does Eagle Bank cash savings bonds?

Will Eagle Bank cash money orders?

Can Eagle Bank issue a money order?

Does Eagle Bank do currency exchange?

Background on The Bank

Who owns Eagle Bank?

How long has Eagle Bank been around?

Can Eagle Bank transfer to other banks?

Does Eagle Bank have quick pay?

Does Eagle Bank accept rolled coins?

Will Eagle Bank accept loose change?

Where is Eagle Bank headquarters?

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