Better Health for All

The company's core business involves commercial banking services, including deposit and loan products, which have no direct positive or negative health impact. While Opportunity Bank of Montana, a subsidiary, made donations totaling $75,000 to St. Peter’s Health Foundation

and $16,570 to AWARE, these are general donations to health-related organizations rather than specific, quantifiable programs or investments by the company itself that directly align with the quantitative thresholds of the KPIs. The company's operations do not involve health products, services, or data that would trigger scoring for most health-related KPIs.

Fair Money & Economic Opportunity

Eagle Bancorp Montana's subsidiary, Opportunity Bank of Montana, demonstrates a commitment to inclusion through various loan programs. As of June 30, 2022, its Community Development loans totaled $98.4 million and Paycheck Protection Program (PPP) loans totaled $64.9 million.

These combined represent 12.88% of its gross loan portfolio of $1.2679 billion. The bank offers programs sponsored by the SBA, Farm Service Agency, Federal Housing Administration, U.S. Department of Agriculture Rural Development, U.S. Department of Veterans Affairs, and the Montana Board of Housing, and actively participates in special housing programs for first-time homebuyers and down payment assistance. The bank received an 'Outstanding' rating for its Lending Test and Community Development Test in an October 2022 evaluation, with no evidence of violations of antidiscrimination laws or regulations. The bank's employees serve as financial education instructors for youth and first-time homebuyers, with specific initiatives including Teach Kids to Save Day, credit education for high school students, and sessions on budgeting and credit management for young professionals. The bank has six defined Assessment Areas (AAs) in Montana, with 93.3% of its lending by number and dollar amount occurring within these AAs. However, it has a low deposit market share in several MSAs, including 0.7% in Billings, 0.7% in Great Falls, and 1.8% in Missoula. The bank made $291,180 in donations as of October 2022, which represents approximately 1.8% of its $16.3 million pre-tax profit for the first six months of 2025.

Fair Trade & Ethical Sourcing

The provided articles, including financial reports and ESG summaries, do not contain any specific, concrete data points related to fair trade certifications, supplier audit frequency, forced or child labor incidents, supply chain traceability, remediation speed for violations, ethical clauses in supplier contracts, spend on high-risk materials, or supplier diversity.

All articles explicitly state the absence of such information, leading to the omission of all KPIs.

Honest & Fair Business

The company has a formal whistleblower protection policy with procedures for confidential and anonymous submission of complaints regarding accounting, internal accounting controls, or auditing matters, and prohibits retaliation.

An anonymous reporting mechanism (EthicsPoint) is available. Eight directors are deemed independent, following Nasdaq Marketplace Rules. A Code of Ethics and Conflict of Interest Policy, last reviewed and approved in July 2024, is in place and applies to directors, officers, and employees, outlining policies against bribery and corruption. Moss Adams LLP serves as the independent registered public accounting firm, and the Audit Committee pre-approves all audit services, non-audit services, audit-related services, and tax services.

Kind to Animals

Eagle Bancorp Montana, Inc. operates as a bank holding company, providing commercial banking services.

Its core business activities, such as offering deposit and loan products, do not involve animal-derived products, animal testing, animal agriculture, or direct impact on wildlife habitats. Therefore, all KPIs related to cruelty-free certifications, animal testing, humane operations, ethical sourcing, and animal welfare policies are not applicable to the company's operations, and no evidence was found in the provided articles to suggest otherwise.

No War, No Weapons

No specific, concrete data points relevant to the 'No War, No Weapons' ethical value were found in the provided articles for any of the KPIs. The articles primarily focus on Eagle Bancorp Montana's financial performance, such as net income, loan growth, deposits, and dividends, or general ESG data without specific details on defense-related activities, arms contracts, or peacebuilding initiatives.

Therefore, all KPIs are omitted due to a lack of direct evidence.

Planet-Friendly Business

The provided articles do not contain specific, quantifiable data points for Eagle Bancorp Montana's overall operations regarding greenhouse gas emissions, renewable energy use, water consumption, or waste diversion rates. While one article mentions ESG scores, these are not direct operational metrics.

Another article details sustainability efforts for an annual meeting, such as using recycled and biodegradable materials and waste separation, but these actions are specific to that event and cannot be extrapolated to the company's broader environmental performance or its core banking business. For KPIs related to product lifecycle assessments, material sourcing, deforestation, and packaging, the company's business model as a bank suggests these are not material to its operations, hence they are scored as N/A.

Respect for Cultures & Communities

The company, through its subsidiary Opportunity Bank of Montana, provided $40,000 in grants to four Montana nonprofits in April 2024, supporting community development and affordable housing.

Additionally, it made a $5,000 donation in November 2025 to the Choteau Lions Club Foundation for rebuilding a picnic shelter in Choteau City Park, a community space. The bank operates under the Community Reinvestment Act (CRA) and states it invests in communities through sponsorships, grants, donations, and staff volunteer time, supporting various programs including arts and cultural activities. The bank has a partnership with the Choteau Lions Club Foundation.

Safe & Smart Tech

Eagle Bancorp Montana demonstrates some commitment to data protection and cybersecurity. The company invests in cybersecurity measures and uses a third-party Managed Security Service Provider (MSSP)

. They also conduct quarterly security and privacy training for employees . The bank complies with banking regulations (FDIC, FRB, Montana Division of Banking) and securities laws (SEC) . However, the privacy policy states that Eagle Bank does not share customer information for marketing purposes with other financial companies, affiliates, or non-affiliates . There is no information available regarding AI ethics governance, algorithmic transparency, or specific encryption implementation. Given the limited positive evidence, a conservative score is appropriate. The company's materiality is medium, as it is a bank and must adhere to regulatory requirements. **Assessment Limitations**: There is a lack of quantitative data regarding cybersecurity investment as a percentage of revenue, the effectiveness of security training, and the extent of encryption across systems.