What Eagle Bank does

Eagle Bank is a tribally owned community bank headquartered in Polson, Montana, operating as the depository subsidiary of Eagle Bancorp Montana and wholly owned by the Confederated Salish and Kootenai Tribes (CSKT) on behalf of approximately 8,000 tribal members. It is the only bank in the United States whose holding company is organized under Section 17 of the Indian Reorganization Act of 1934, and one of very few banks in the country owned by a Native American Tribe. The bank serves personal, small business, agricultural, and tribal member customers across Lake County and the broader Mission Valley region of western Montana.

The bank's product portfolio spans the full spectrum of community banking: deposit products (Personal and Business Checking, Savings, Money Market, and Certificates of Deposit with terms from 3 months to 5 years) and lending products including conventional, FHA, USDA/RD, VA, and HUD 184 mortgages, home equity lines of credit, construction loans, SBA loans, commercial real estate loans, agricultural loans, and operating lines of credit. Specialized products include HUD 184 mortgages for federally recognized tribal members — financing homes on trust land, lease land, or fee simple property — and Insured Cash Sweep (ICS) and CDARS services delivered through Promontory Interfinancial Network. Distribution comprises one physical branch in Polson with lobby and drive-up services, eight ATM locations across tribal complexes, casinos, and community sites in western Montana, plus online banking, a mobile banking app with biometric authentication and mobile check deposit, 24-hour telephone banking, and bill pay services. The bank has eliminated overdraft fees as a customer-friendly differentiator.

Eagle Bank generates revenue through traditional community banking mechanics: net interest income on its loan portfolio (commercial, agricultural, residential, consumer, and credit lines), deposit account service charges and dormant fees, ATM and debit card transaction fees, loan origination fees on SBA, commercial, agricultural, and mortgage originations, and annual safe deposit box rentals. Pricing for loans, CDs, and safe deposit boxes is quote-based and not publicly disclosed. Customer acquisition is community-led, driven by physical branch presence, local reputation, word-of-mouth, and the bank's unique tribal ownership mandate. The bank was recognized in 2025 as the #1 best-performing community bank in the West regional ranking by S&P Global Market Intelligence.

Name

Eagle Bank

Legal name

Eagle Bank

Website

https://eaglebankmt.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Eagle Bank is a tribally owned community bank in Polson, Montana, wholly owned by the Confederated Salish and Kootenai Tribes and the only U.S. bank with a Section 17 Indian Reorganization Act holding company. It provides personal, business, agricultural, and specialized HUD 184 tribal mortgages to customers across western Montana's Mission Valley region.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking services
• Personal banking products
• Commercial lending
• Agricultural loans
• Mortgage lending

Headquarters

HQ city

Polson

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including commercial loans, agricultural loans, residential mortgages, personal loans, and credit lines.
2. Deposit Account Fees: Monthly service charges, dormant account fees, and other banking service fees from personal and business checking and savings accounts.
3. ATM and Debit Card Fees: Revenue from debit card transactions and ATM usage, including foreign ATM fees for non-Eagle Bank ATMs.
4. Loan Origination Fees: Fees generated from SBA loans, commercial loans, agricultural loans, and mortgage loan originations.
5. Safe Deposit Box Rental: Annual rental fees for safe deposit boxes available in four different sizes.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Eagle Bank is a tribally-owned community bank headquartered in Polson, Montana that provides full-service personal and business banking. Its product portfolio spans deposit accounts (checking, savings, money market, CDs), consumer and commercial lending (auto, mortgage including HUD 184, SBA, agricultural, commercial real estate, HELOC), and digital banking services (online, mobile app, telephone banking, bill pay).

Product overview

Eagle Bank is a tribally-owned community bank (owned by the Confederated Salish and Kootenai Tribes) headquartered in Polson, Montana, offering a full-service banking platform for personal and business customers in Lake County and western Montana. The product portfolio spans deposit products (Personal Checking, Personal Checking with Interest, Personal Savings, Personal Money Market, Personal CDs, Business Checking, Business Checking with Interest, Business Savings, Business Money Market, Business CDs), lending products (Personal Auto/Recreation Loans, Personal Consumer Loans, Conventional Mortgages, FHA, USDA/RD, VA, HUD 184, HELOCs, Construction Loans, SBA Loans, Commercial Real Estate, Commercial Construction, Operating Capital Lines of Credit, Multi-Family Financing, and Agricultural Loans), and digital banking services (Online Banking, Telephone Banking, Mobile Banking App, Bill Pay, E-Statements). Deposit insurance enhancement products — ICS and CDARS through the Promontory Interfinancial Network — are available as add-on services for business customers. The bank operates one physical branch with a multi-ATM network across western Montana.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Basic personal checking account bundled with a Mastercard Debit Card for purchases and ATM access, designed for individual consumers in western Montana.
• Personal Checking with Interest Personal checking account that earns interest on deposited funds for individual customers.
• Personal Savings Personal savings account with a $25 required opening deposit and available ATM cards at opening for individual savers.
• Personal Money Market Account Money market savings account with a $1,000 minimum balance, $10 monthly fee if balance falls below minimum, and tiered interest rate structure.
• Personal Certificate of Deposit Time deposit available in terms from 3 months to 5 years, FDIC-insured, with competitive rates quoted by phone.
• Personal Auto & Recreation Loans Loans for purchasing or refinancing new or used vehicles, recreational vehicles, boats, and campers for individual consumers.
• Personal Consumer Loans Unsecured or secured personal loans (collateral typically includes vehicles, deposits, or other personal property) for general cash needs, available on approved credit.
• Home Mortgage Loans Residential mortgage lending covering Conventional, FHA, USDA/Rural Development, VA, HUD 184 (tribal members), Construction, and Home Equity Lines of Credit (HELOC) products for home purchase, refinance, and construction.
• Business Checking Business checking account with a $100 opening deposit, no per-check charges, and a Mastercard Debit Card; subject to dormant fee after 6 months of inactivity.
• Business Checking with Interest Business checking account that earns interest, requiring a $500 opening deposit and $500 minimum balance to avoid a $10 monthly fee.
• Commercial Lending Suite Comprehensive commercial lending products including SBA Loans, Commercial Construction Loans, Commercial Real Estate Loans, Operating Capital Lines of Credit, and Multi-Family Financing for local businesses in western Montana.
• Agricultural Loans Specialized agricultural lending for western Montana producers, including cattle loans, operating lines of credit, machinery and equipment loans, and agricultural real estate loans.
• Business Savings Business savings account with a $25 opening deposit, no minimum balance, no monthly service charge, subject to Regulation D and a dormant fee after 12 months of inactivity.
• Business Money Market Account Business money market account with a $500 opening deposit, $1,000 minimum balance, $10 monthly fee if below minimum, and tiered rate structure.
• Business Certificate of Deposit Business time deposits available in terms from 3 months to 5 years for secure short-to-medium term business funds investment.
• Online Banking Internet-based banking platform enabling balance checks, statement review, fund transfers, stop payments, loan payments, and for businesses multi-user access, ACH file setup, and direct deposit payroll processing.
• Telephone Banking 24-hour automated telephone banking service allowing customers to check balances and transfer funds between accounts without internet access, available via toll-free number (800) 804-5792.
• Mobile Banking App Mobile banking application for iOS and Android with balance viewing, transaction history search, cleared check imaging, internal transfers, bill payments, mobile check deposit, Touch ID, facial recognition, and configurable push notifications.
• Bill Pay Services Online bill payment service allowing customers to pay all bills in a single platform with payee management, payment scheduling, and history review.
• Safe Deposit Boxes Safe deposit box rental available in four different sizes at the Polson branch with availability and rental charges provided upon inquiry.
• Debit Cards Mastercard debit cards enabling point-of-sale, telephone, internet, and mail order purchases processed through the Mastercard network with no additional Eagle Bank transaction fees, also serving as ATM cards.
• Branch & ATM Network Physical branch in Polson, Montana with lobby and drive-up ATM services plus eight additional ATMs across western Montana including tribal complex, casino, resort, college bookstore, and community locations.
• Insured Cash Sweep (ICS) and CDARS Services Deposit network services through the Promontory Interfinancial Network providing multi-million-dollar FDIC insurance coverage for business customers via Insured Cash Sweep and Certificate of Deposit Account Registry Services.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• Promontory Interfinancial NetworkcoreTechnology or IntegrationEagle Bank partners with Promontory Interfinancial Network to offer Insured Cash Sweep (ICS) services and Certificate of Deposit Account Registry Services (CDARs). Through ICS, customers access multi-million-dollar FDIC insurance while maintaining a relationship with Eagle Bank. CDARs places deposits in CDs with member banks in increments allowing full FDIC coverage for terms of 4 months to 5 years. Both services provide competitive rates with full insurance protection.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Native American Bank, N.A. Native American Bank is one of the very few tribally chartered/owned banks in the U.S., headquartered in Oklahoma. It is the most directly comparable peer to Eagle Bank on the dimension of tribal ownership, mission-driven community focus, and lending to Native American communities, including HUD 184-style programs.
• Stockman Financial Group / Stockman Bank of Montana: Stockman Bank is a Montana-based privately held community bank offering personal, business, and agricultural banking across rural Montana. It is highly comparable to Eagle Bank in scale, Montana rural market focus, agricultural lending expertise, and full-service community-banking model.
• Eagle Bancorp Montana (EBMT): Eagle Bancorp Montana is the public holding company of which Eagle Bank is the principal operating subsidiary, making it the closest direct peer — same charter, same Montana footprint, same community-banking business model, same tribally-owned governance overlay.
• Opportunity Bank of Montana: Opportunity Bank of Montana is a Montana-headquartered community bank focused on consumer, mortgage, and small-business banking. It overlaps with Eagle Bank on the personal checking/savings, mortgage, and small-business lending products in the Montana market.

Broad incumbents

• First Interstate BancSystem (FIBK): First Interstate is a Montana-headquartered community bank holding company with branches across the Western U.S. It overlaps with Eagle Bank in Montana deposit-taking, small business lending, and agricultural lending, and represents a more scaled public-market comp for valuation purposes.
• Glacier Bancorp (GBCI): Glacier Bancorp is a large Montana-headquartered bank holding company operating a network of community banks across the Mountain West. It is directly comparable to Eagle Bank in its community-banking model, Montana deposit/lending market exposure, and full-service personal/business product suite, but at much greater scale.

Regional players

• Citizens Bank & Trust (Montana): Citizens Bank & Trust is a small Montana community bank offering personal, business, and agricultural banking. It is comparable to Eagle Bank in size, community focus, and product breadth, though serving a different region of Montana.
• Farmers National Bank (Montana): Farmers National Bank is a small community/agricultural bank in north-central Montana. It shares Eagle Bank's agricultural lending focus and rural Montana community-banking model, though it operates in a different region of the state.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/eagle-bank-polson-mt-

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eagle Bank