<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Generated by ThunderDome XBRL - 05:29PM UTC 2026-08-04--><xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:country="http://xbrl.sec.gov/country/2026" xmlns:currency="http://xbrl.sec.gov/currency/2026" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:ebmt="http://www.opportunitybank.com/20260630" xmlns:ecd="http://xbrl.sec.gov/ecd/2026" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:exch="http://xbrl.sec.gov/exch/2026" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:naics="http://xbrl.sec.gov/naics/2026" xmlns:sic="http://xbrl.sec.gov/sic/2026" xmlns:srt="http://fasb.org/srt/2026" xmlns:srt-types="http://fasb.org/srt-types/2026" xmlns:stpr="http://xbrl.sec.gov/stpr/2026" xmlns:us-gaap="http://fasb.org/us-gaap/2026" xmlns:us-types="http://fasb.org/us-types/2026" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.opportunitybank.com/20260630">
  <xsd:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/exch/2026" schemaLocation="https://xbrl.sec.gov/exch/2026/exch-2026.xsd"/>
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/currency/2026" schemaLocation="https://xbrl.sec.gov/currency/2026/currency-2026.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/country/2026" schemaLocation="https://xbrl.sec.gov/country/2026/country-2026.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/naics/2026" schemaLocation="https://xbrl.sec.gov/naics/2026/naics-2026.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xsd:import namespace="http://xbrl.org/2020/extensible-enumerations-2.0" schemaLocation="https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2026" schemaLocation="https://xbrl.sec.gov/stpr/2026/stpr-2026.xsd"/>
  <xsd:import namespace="http://xbrl.sec.gov/sic/2026" schemaLocation="https://xbrl.sec.gov/sic/2026/sic-2026.xsd"/>
  <xsd:import namespace="http://fasb.org/us-types/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-types-2026.xsd"/>
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
  <xsd:import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd"/>
  <xsd:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ebmt-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ebmt-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ebmt-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="ebmt-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="statement-document-and-entity-information" roleURI="http://www.opportunitybank.com/20260630/role/statement-document-and-entity-information">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-condensed-consolidated-statements-of-financial-condition-current-period-unaudited" roleURI="http://www.opportunitybank.com/20260630/role/statement-condensed-consolidated-statements-of-financial-condition-current-period-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">001 - Statement - Condensed Consolidated Statements of Financial Condition (Current Period Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-condensed-consolidated-statements-of-financial-condition-current-period-unaudited-parentheticals" roleURI="http://www.opportunitybank.com/20260630/role/statement-condensed-consolidated-statements-of-financial-condition-current-period-unaudited-parentheticals">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">002 - Statement - Condensed Consolidated Statements of Financial Condition (Current Period Unaudited) (Parentheticals)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-condensed-consolidated-statements-of-income-unaudited" roleURI="http://www.opportunitybank.com/20260630/role/statement-condensed-consolidated-statements-of-income-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">003 - Statement - Condensed Consolidated Statements of Income (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-condensed-consolidated-statements-of-comprehensive-income-unaudited" roleURI="http://www.opportunitybank.com/20260630/role/statement-condensed-consolidated-statements-of-comprehensive-income-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">004 - Statement - Condensed Consolidated Statements of Comprehensive Income (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-condensed-consolidated-statements-of-changes-in-shareholders-equity-unaudited" roleURI="http://www.opportunitybank.com/20260630/role/statement-condensed-consolidated-statements-of-changes-in-shareholders-equity-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">005 - Statement - Condensed Consolidated Statements of Changes in Shareholders' Equity (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-condensed-consolidated-statements-of-changes-in-shareholders-equity-unaudited-parentheticals" roleURI="http://www.opportunitybank.com/20260630/role/statement-condensed-consolidated-statements-of-changes-in-shareholders-equity-unaudited-parentheticals">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">006 - Statement - Condensed Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-consolidated-statements-of-cash-flows-unaudited" roleURI="http://www.opportunitybank.com/20260630/role/statement-consolidated-statements-of-cash-flows-unaudited">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">007 - Statement - Consolidated Statements of Cash Flows (Unaudited)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-1-organization-and-summary-of-significant-accounting-policies" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-1-organization-and-summary-of-significant-accounting-policies">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">008 - Disclosure - Note 1 - Organization and Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-investment-securities" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-2-investment-securities">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">009 - Disclosure - Note 2 - Investment Securities</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">010 - Disclosure - Note 3 - Loans Receivable</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-mortgage-servicing-rights-" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-4-mortgage-servicing-rights-">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">011 - Disclosure - Note 4 - Mortgage Servicing Rights</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-deposits" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-5-deposits">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">012 - Disclosure - Note 5 - Deposits</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-other-longterm-debt" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-6-other-longterm-debt">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">013 - Disclosure - Note 6 - Other Long-term Debt</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-accumulated-other-comprehensive-income-loss" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-7-accumulated-other-comprehensive-income-loss">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">014 - Disclosure - Note 7 - Accumulated Other Comprehensive Income (Loss)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-earnings-per-common-share" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-8-earnings-per-common-share">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">015 - Disclosure - Note 8 - Earnings Per Common Share</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-derivatives-and-hedging-activities" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-9-derivatives-and-hedging-activities">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">016 - Disclosure - Note 9 - Derivatives and Hedging Activities</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-fair-value-of-financial-instruments" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-10-fair-value-of-financial-instruments">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">017 - Disclosure - Note 10 - Fair Value of Financial Instruments</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-significant-accounting-policies-policies" roleURI="http://www.opportunitybank.com/20260630/role/statement-significant-accounting-policies-policies">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995464 - Disclosure - Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-investment-securities-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-2-investment-securities-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995465 - Disclosure - Note 2 - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995466 - Disclosure - Note 3 - Loans Receivable (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-mortgage-servicing-rights-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-4-mortgage-servicing-rights-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995467 - Disclosure - Note 4 - Mortgage Servicing Rights (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-deposits-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-5-deposits-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995468 - Disclosure - Note 5 - Deposits (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-other-longterm-debt-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-6-other-longterm-debt-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995469 - Disclosure - Note 6 - Other Long-term Debt (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-accumulated-other-comprehensive-income-loss-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-7-accumulated-other-comprehensive-income-loss-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995470 - Disclosure - Note 7 - Accumulated Other Comprehensive Income (Loss) (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-earnings-per-common-share-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-8-earnings-per-common-share-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995471 - Disclosure - Note 8 - Earnings Per Common Share (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-derivatives-and-hedging-activities-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-9-derivatives-and-hedging-activities-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995472 - Disclosure - Note 9 - Derivatives and Hedging Activities (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-fair-value-of-financial-instruments-tables" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-10-fair-value-of-financial-instruments-tables">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995473 - Disclosure - Note 10 - Fair Value of Financial Instruments (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-1-organization-and-summary-of-significant-accounting-policies-details-textual" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-1-organization-and-summary-of-significant-accounting-policies-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995474 - Disclosure - Note 1 - Organization and Summary of Significant Accounting Policies (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-investment-securities-details-textual" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-2-investment-securities-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995475 - Disclosure - Note 2 - Investment Securities (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-investment-securities-summary-of-investment-securities-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-2-investment-securities-summary-of-investment-securities-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995476 - Disclosure - Note 2 - Investment Securities - Summary of Investment Securities (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-investment-securities-amortized-cost-and-fair-value-of-securities-by-contractual-maturity-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-2-investment-securities-amortized-cost-and-fair-value-of-securities-by-contractual-maturity-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995477 - Disclosure - Note 2 - Investment Securities - Amortized Cost and Fair Value of Securities by Contractual Maturity (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-2-investment-securities-investment-securities-in-a-continuous-unrealized-loss-position-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-2-investment-securities-investment-securities-in-a-continuous-unrealized-loss-position-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995478 - Disclosure - Note 2 - Investment Securities - Investment Securities in a Continuous Unrealized Loss Position (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-details-textual" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995479 - Disclosure - Note 3 - Loans Receivable (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-summary-of-loans-receivable-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-summary-of-loans-receivable-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995480 - Disclosure - Note 3 - Loans Receivable - Summary of Loans Receivable (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-allowance-for-loan-losses-activity-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-allowance-for-loan-losses-activity-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995481 - Disclosure - Note 3 - Loans Receivable - Allowance for Loan Losses Activity (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-internal-classification-of-the-loan-portfolio-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-internal-classification-of-the-loan-portfolio-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995482 - Disclosure - Note 3 - Loans Receivable - Internal Classification of the Loan Portfolio (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-delinquencies-within-the-loan-portfolio-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-delinquencies-within-the-loan-portfolio-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995483 - Disclosure - Note 3 - Loans Receivable - Delinquencies Within the Loan Portfolio (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-collateraldependent-loans-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-collateraldependent-loans-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995484 - Disclosure - Note 3 - Loans Receivable - Collateral-dependent Loans (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-3-loans-receivable-schedule-of-financing-receivable-restructuring-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-3-loans-receivable-schedule-of-financing-receivable-restructuring-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995485 - Disclosure - Note 3 - Loans Receivable - Schedule of Financing Receivable Restructuring (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-mortgage-servicing-rights-details-textual" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-4-mortgage-servicing-rights-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995486 - Disclosure - Note 4 - Mortgage Servicing Rights (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-mortgage-servicing-rights-schedule-of-activity-in-mortgage-servicing-rights-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-4-mortgage-servicing-rights-schedule-of-activity-in-mortgage-servicing-rights-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995487 - Disclosure - Note 4 - Mortgage Servicing Rights - Schedule of Activity in Mortgage Servicing Rights (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-4-mortgage-servicing-rights-fair-value-of-servicing-rights-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-4-mortgage-servicing-rights-fair-value-of-servicing-rights-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995488 - Disclosure - Note 4 - Mortgage Servicing Rights - Fair Value of Servicing Rights (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-deposits-details-textual" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-5-deposits-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995489 - Disclosure - Note 5 - Deposits (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-5-deposits-summary-of-deposits-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-5-deposits-summary-of-deposits-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995490 - Disclosure - Note 5 - Deposits - Summary of Deposits (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-other-longterm-debt-details-textual" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-6-other-longterm-debt-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995491 - Disclosure - Note 6 - Other Long-term Debt (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995492 - Disclosure - Note 6 - Other Long-term Debt - Summary of Other Long-term Debt (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details-parentheticals" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details-parentheticals">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995493 - Disclosure - Note 6 - Other Long-term Debt - Summary of Other Long-term Debt (Details) (Parentheticals)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-7-accumulated-other-comprehensive-income-loss-activity-in-accumulated-other-comprehensive-income-loss-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-7-accumulated-other-comprehensive-income-loss-activity-in-accumulated-other-comprehensive-income-loss-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995494 - Disclosure - Note 7 - Accumulated Other Comprehensive Income (Loss) - Activity in Accumulated Other Comprehensive Income (Loss) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-8-earnings-per-common-share-computations-of-basic-and-diluted-earnings-per-share-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-8-earnings-per-common-share-computations-of-basic-and-diluted-earnings-per-share-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995495 - Disclosure - Note 8 - Earnings Per Common Share - Computations of Basic and Diluted Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-derivatives-and-hedging-activities-details-textual" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-9-derivatives-and-hedging-activities-details-textual">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995496 - Disclosure - Note 9 - Derivatives and Hedging Activities (Details Textual)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-9-derivatives-and-hedging-activities-derivatives-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-9-derivatives-and-hedging-activities-derivatives-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995497 - Disclosure - Note 9 - Derivatives and Hedging Activities - Derivatives (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-recurring-basis-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-recurring-basis-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995498 - Disclosure - Note 10 - Fair Value of Financial Instruments - Financial Assets and Financial Liabilities Measured at Fair Value on a Recurring Basis (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-nonrecurring-basis-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-nonrecurring-basis-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995499 - Disclosure - Note 10 - Fair Value of Financial Instruments - Financial Assets and Financial Liabilities Measured at Fair Value on a Nonrecurring Basis (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-fair-value-of-financial-instruments-financial-assets-and-liabilities-valuation-techniques-and-significant-unobservable-inputs-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-10-fair-value-of-financial-instruments-financial-assets-and-liabilities-valuation-techniques-and-significant-unobservable-inputs-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995500 - Disclosure - Note 10 - Fair Value of Financial Instruments - Financial Assets and Liabilities, Valuation Techniques and Significant Unobservable Inputs (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-using-significant-unobservable-inputs-on-recurring-basis-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-10-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-using-significant-unobservable-inputs-on-recurring-basis-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995501 - Disclosure - Note 10 - Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value Using Significant Unobservable Inputs on Recurring Basis (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType id="statement-note-10-fair-value-of-financial-instruments-estimated-fair-value-and-carrying-amounts-of-financial-instruments-details" roleURI="http://www.opportunitybank.com/20260630/role/statement-note-10-fair-value-of-financial-instruments-estimated-fair-value-and-carrying-amounts-of-financial-instruments-details">
        <link:definition xmlns="http://www.xbrl.org/2003/linkbase">995502 - Disclosure - Note 10 - Fair Value of Financial Instruments - Estimated Fair Value and Carrying Amounts of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="ebmt_ActivitiesInMortgageServicingRightsTableTextBlock" name="ActivitiesInMortgageServicingRightsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_AdvancesFromFederalHomeLoanBankAndOtherBorrowingsFairValueDisclosure" name="AdvancesFromFederalHomeLoanBankAndOtherBorrowingsFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ebmt_AgriculturalLoanMember" name="AgriculturalLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_BasisOfPresentationAndUseOfEstimatesPolicyTextBlock" name="BasisOfPresentationAndUseOfEstimatesPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_BusinessAssetsMember" name="BusinessAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_CollateraldependentLoansTableTextBlock" name="CollateraldependentLoansTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_CommercialConstructionAndDevelopmentPortfolioSegmentMember" name="CommercialConstructionAndDevelopmentPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_CommercialLoansMember" name="CommercialLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_CommercialRealEstateLoanMember" name="CommercialRealEstateLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_CommoditySalesMember" name="CommoditySalesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_DebtInstrumentInterestRateFloatingRate" name="DebtInstrumentInterestRateFloatingRate" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_DebtInstrumentMaturityYear" name="DebtInstrumentMaturityYear" nillable="true" substitutionGroup="xbrli:item" type="xbrli:gYearItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_EagleBancorpStatutoryTrustIMember" name="EagleBancorpStatutoryTrustIMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedValue" name="EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_EmployeeStockOwnershipPlanESOPNumberOfSharesCommittedToBeReleased" name="EmployeeStockOwnershipPlanESOPNumberOfSharesCommittedToBeReleased" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_EmployeeStockOwnershipPlanEsopCompensationExpenseForAllocatedShares" name="EmployeeStockOwnershipPlanEsopCompensationExpenseForAllocatedShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationPurchasesAndIssues" name="FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationPurchasesAndIssues" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationSalesAndSettlements" name="FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationSalesAndSettlements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_FarmlandLoanMember" name="FarmlandLoanMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_FederalDepositInsuranceCorporationPremium" name="FederalDepositInsuranceCorporationPremium" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_FederalHomeLoanBankAdvancesAndOtherBorrowings" name="FederalHomeLoanBankAdvancesAndOtherBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNumber" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_FinancingReceivables30To89DaysPastDueMember" name="FinancingReceivables30To89DaysPastDueMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_FirstTennesseeBankNAMember" name="FirstTennesseeBankNAMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_FivePointFivePercentSubordinatedNotesDueIn2030Member" name="FivePointFivePercentSubordinatedNotesDueIn2030Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_FixedRateBrokeredCertificatesOfDepositMember" name="FixedRateBrokeredCertificatesOfDepositMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_ForwardTBAMortgagebackedSecuritiesMember" name="ForwardTBAMortgagebackedSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_HomeEquityPortfolioSegmentMember" name="HomeEquityPortfolioSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_ImpairedLoansAndRealEstateAndOtherRepossessedAssetsMember" name="ImpairedLoansAndRealEstateAndOtherRepossessedAssetsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_ImpairedLoansFairValueDisclosure" name="ImpairedLoansFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_ImpairedLoansMeasurementInput" name="ImpairedLoansMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_InterestExpenseFederalHomeLoanBankAdvanceAndOtherBorrowings" name="InterestExpenseFederalHomeLoanBankAdvanceAndOtherBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_InterestRateForwardCommitmentsMember" name="InterestRateForwardCommitmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_InterestReceivedOnPastDueLoansAppliedToPrincipal" name="InterestReceivedOnPastDueLoansAppliedToPrincipal" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_InvestmentInFederalReserveBankStockFairValueDisclosure" name="InvestmentInFederalReserveBankStockFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_LifeInsuranceCorporateOrBankOwnedChangeInValueGross" name="LifeInsuranceCorporateOrBankOwnedChangeInValueGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_LoansExcludingUnfundedCommitmentsMember" name="LoansExcludingUnfundedCommitmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_LoansServicedDuringThePeriod" name="LoansServicedDuringThePeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_MeasurementInputPullThroughExpectationsMember" name="MeasurementInputPullThroughExpectationsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_MeasurementInputWeightedAveragePrepaymentRateMember" name="MeasurementInputWeightedAveragePrepaymentRateMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_MortgageServicingRightsMeasuredAtFairValue" name="MortgageServicingRightsMeasuredAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ebmt_MortgageServicingRightsMember" name="MortgageServicingRightsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_MortgagebackedSecuritiesAndCollateralizedMortgageObligationsMember" name="MortgagebackedSecuritiesAndCollateralizedMortgageObligationsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_OneToFourFamilyConstructionMember" name="OneToFourFamilyConstructionMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_OneToFourFamilyLoansMember" name="OneToFourFamilyLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_OpportunityBankOfMontanaMember" name="OpportunityBankOfMontanaMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_OtherMember" name="OtherMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_PaymentDeferralAndExtendedMaturityMember" name="PaymentDeferralAndExtendedMaturityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_ProceedsFromPaymentsForShortTermAdvancesFromFederalHomeLoanBankAndOtherBorrowings" name="ProceedsFromPaymentsForShortTermAdvancesFromFederalHomeLoanBankAndOtherBorrowings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_QualifiedAffordableHousingProjectInvestmentsCommitments" name="QualifiedAffordableHousingProjectInvestmentsCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_RepossessedAssetsMeasurementInput" name="RepossessedAssetsMeasurementInput" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_RightofuseAssetObtainedInExchangeForOperatingLeaseLiability1" name="RightofuseAssetObtainedInExchangeForOperatingLeaseLiability1" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_ServicingAssetAtAmortizedCostBeforeValuationAllowance" name="ServicingAssetAtAmortizedCostBeforeValuationAllowance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_SoftwareSubscriptionsExpense" name="SoftwareSubscriptionsExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_StockIssuedDuringPeriodTreasuryStockReissuedAverageCostPerShare" name="StockIssuedDuringPeriodTreasuryStockReissuedAverageCostPerShare" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_ThreePointFivePercentSubordinatedNotesDueIn2032Member" name="ThreePointFivePercentSubordinatedNotesDueIn2032Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_TimeCertificatesOfDepositFairValueDisclosure" name="TimeCertificatesOfDepositFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ebmt_TrustPreferredSecuritiesMaximumDividendDeferringPeriod" name="TrustPreferredSecuritiesMaximumDividendDeferringPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_UnallocatedESOPSharesMember" name="UnallocatedESOPSharesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ebmt_UnearnedESOPSharesCost" name="UnearnedESOPSharesCost" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ebmt_UnitedStatesDepartmentOfAgricultureRuralDevelopmentMember" name="UnitedStatesDepartmentOfAgricultureRuralDevelopmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_VariableInterestRateSubordinatedDebenturesDueIn2035Member" name="VariableInterestRateSubordinatedDebenturesDueIn2035Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-10-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-using-significant-unobservable-inputs-on-recurring-basis-details" name="statement-statement-note-10-fair-value-of-financial-instruments-assets-and-liabilities-measured-at-fair-value-using-significant-unobservable-inputs-on-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-10-fair-value-of-financial-instruments-estimated-fair-value-and-carrying-amounts-of-financial-instruments-details" name="statement-statement-note-10-fair-value-of-financial-instruments-estimated-fair-value-and-carrying-amounts-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-nonrecurring-basis-details" name="statement-statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-nonrecurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-recurring-basis-details" name="statement-statement-note-10-fair-value-of-financial-instruments-financial-assets-and-financial-liabilities-measured-at-fair-value-on-a-recurring-basis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-10-fair-value-of-financial-instruments-financial-assets-and-liabilities-valuation-techniques-and-significant-unobservable-inputs-details" name="statement-statement-note-10-fair-value-of-financial-instruments-financial-assets-and-liabilities-valuation-techniques-and-significant-unobservable-inputs-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-10-fair-value-of-financial-instruments-tables" name="statement-statement-note-10-fair-value-of-financial-instruments-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-2-investment-securities-amortized-cost-and-fair-value-of-securities-by-contractual-maturity-details" name="statement-statement-note-2-investment-securities-amortized-cost-and-fair-value-of-securities-by-contractual-maturity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-2-investment-securities-investment-securities-in-a-continuous-unrealized-loss-position-details" name="statement-statement-note-2-investment-securities-investment-securities-in-a-continuous-unrealized-loss-position-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-2-investment-securities-summary-of-investment-securities-details" name="statement-statement-note-2-investment-securities-summary-of-investment-securities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-2-investment-securities-tables" name="statement-statement-note-2-investment-securities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-3-loans-receivable-allowance-for-loan-losses-activity-details" name="statement-statement-note-3-loans-receivable-allowance-for-loan-losses-activity-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-3-loans-receivable-collateraldependent-loans-details" name="statement-statement-note-3-loans-receivable-collateraldependent-loans-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-3-loans-receivable-delinquencies-within-the-loan-portfolio-details" name="statement-statement-note-3-loans-receivable-delinquencies-within-the-loan-portfolio-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-3-loans-receivable-internal-classification-of-the-loan-portfolio-details" name="statement-statement-note-3-loans-receivable-internal-classification-of-the-loan-portfolio-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-3-loans-receivable-schedule-of-financing-receivable-restructuring-details" name="statement-statement-note-3-loans-receivable-schedule-of-financing-receivable-restructuring-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-3-loans-receivable-summary-of-loans-receivable-details" name="statement-statement-note-3-loans-receivable-summary-of-loans-receivable-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-3-loans-receivable-tables" name="statement-statement-note-3-loans-receivable-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-4-mortgage-servicing-rights-fair-value-of-servicing-rights-details" name="statement-statement-note-4-mortgage-servicing-rights-fair-value-of-servicing-rights-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-4-mortgage-servicing-rights-schedule-of-activity-in-mortgage-servicing-rights-details" name="statement-statement-note-4-mortgage-servicing-rights-schedule-of-activity-in-mortgage-servicing-rights-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-4-mortgage-servicing-rights-tables" name="statement-statement-note-4-mortgage-servicing-rights-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-5-deposits-summary-of-deposits-details" name="statement-statement-note-5-deposits-summary-of-deposits-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-5-deposits-tables" name="statement-statement-note-5-deposits-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details" name="statement-statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details-parentheticals" name="statement-statement-note-6-other-longterm-debt-summary-of-other-longterm-debt-details-parentheticals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-6-other-longterm-debt-tables" name="statement-statement-note-6-other-longterm-debt-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-7-accumulated-other-comprehensive-income-loss-activity-in-accumulated-other-comprehensive-income-loss-details" name="statement-statement-note-7-accumulated-other-comprehensive-income-loss-activity-in-accumulated-other-comprehensive-income-loss-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-7-accumulated-other-comprehensive-income-loss-tables" name="statement-statement-note-7-accumulated-other-comprehensive-income-loss-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-8-earnings-per-common-share-computations-of-basic-and-diluted-earnings-per-share-details" name="statement-statement-note-8-earnings-per-common-share-computations-of-basic-and-diluted-earnings-per-share-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-8-earnings-per-common-share-tables" name="statement-statement-note-8-earnings-per-common-share-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-9-derivatives-and-hedging-activities-derivatives-details" name="statement-statement-note-9-derivatives-and-hedging-activities-derivatives-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-note-9-derivatives-and-hedging-activities-tables" name="statement-statement-note-9-derivatives-and-hedging-activities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ebmt_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
