Big Horn Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Big Horn Federal Savings Bank is an FDIC-insured savings institution headquartered in Greybull, WY, established in 1935 (FDIC certificate 29637), and it is supervised by the OCC. At Q2 2026 it reported total assets of $399.8M, up 5.1% from Q2 2025, the 11th largest of 24 banks headquartered in Wyoming. Its CET1 capital ratio was 22.38% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29637
- Headquarters
- Greybull, WY
- Established
- 1935
- Total assets, Q2 2026
- $399.8M
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 22.38%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 302373079
- Latest call report
- Q2 2026, FFIEC 051 · Big Horn Federal Savings Bank call report
- Asset rank in state
- 11th of 24 in Wyoming
Problem loans are rising at Big Horn Federal Savings Bank. Based in Greybull, Wyoming, it had $400 million in assets at June 30, 2026, up 5.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.70% of loans from 0.27% a year earlier. It holds common equity equal to 22.38% of its risk-weighted assets, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also pays an average of 1.28% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.1 million, 48% above the same quarter a year earlier. The commercial and industrial book ($24 million) is worsening: 4.78% of it is past due or on nonaccrual, up from 2.20% a year earlier. One more trend to watch: loans are outrunning deposits: over the year loans rose 11.3% and deposits rose 6.1%.
As of June 30, 2026, Big Horn Federal Savings Bank reported a CET1 capital ratio of 22.38%, a return on assets of 1.11%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 2.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Big Horn Federal Savings Bank is the 11th largest of the 24 banks headquartered in Wyoming. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $399.8M, loans rose 3.5% and deposits rose 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.7% of total loans, ahead of commercial and industrial loans at 12.9%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in WY; its Greybull office books 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, Big Horn Federal Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 33 N 6th St, Greybull, WY 82426
- County
- Big Horn
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1935
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $338.4M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $42K
- Average total assets
- $396.9M
- Average total loans
- $180.5M
- Average interest-bearing deposits
- $371.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29637
- Fed RSSD
- 521970
- Website
- www.bighornfederal.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Big Horn Federal Savings Bank's total assets ranged from $352.9M (Q2 2024) to $402.1M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$399.8M total assets against $380.3M; $355.1M total liabilities against $340.0M.
$180.6M net loans and leases against $162.3M; $338.4M total deposits against $319.0M.
$168.3M securities against $161.8M; $27.9M cash and balances due against $36.0M.
$4.6M total interest income against $4.0M; $1.4M total interest expense against $1.4M.
$3.1M net interest income against $2.6M.
$729K total noninterest income against $557K; $2.5M total noninterest expense against $2.2M.
$51K provision for credit losses against $20K.
$1.1M net income against $747K.
1.11% return on assets against 0.80%; 3.49% net interest margin against 3.06%.
22.38% CET1 capital ratio against 21.78%; 11.32% tier 1 leverage ratio against 10.87%.
Inside the full Big Horn Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Big Horn Federal Savings Bank rankings
Its closest position to the top of a national ranking is 234 of 2,134, for CET1 ratio; its furthest is 2,244 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 1.30% (Q4 2025) and its net interest margin ran from 2.71% (Q1 2025) to 3.49% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.38% | 1.11% | 0.70% | 2.73% | 3.49% |
| Q1 2026 | 19.93% | 0.78% | 0.26% | 1.02% | 3.11% |
| Q4 2025 | 19.88% | 1.30% | 0.24% | 0.95% | 3.15% |
| Q3 2025 | 19.81% | 0.85% | 0.94% | 3.70% | 3.10% |
| Q2 2025 | 21.78% | 0.80% | 0.27% | 1.04% | 3.06% |
| Q1 2025 | 21.97% | 0.92% | 0.25% | 0.98% | 2.71% |
| Q4 2024 | 21.65% | 1.19% | 0.31% | 1.19% | 2.77% |
| Q3 2024 | 21.38% | 0.65% | 0.48% | 2.14% | 2.77% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Big Horn Federal Savings Bank (main office) | Greybull , WY | 82426 | $75.2M |
| Big Horn Avenue | Worland , WY | 82401 | $61.9M |
| 1701 Stampede Avenue Branch | Cody , WY | 82414 | $58.5M |
| 643 Broadway Branch | Thermopolis , WY | 82443 | $56.9M |
| 105 E 2nd St Branch | Powell , WY | 82435 | $53.2M |
| East Main Branch | Lovell , WY | 82431 | $32.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.5% of deposits in WY, rank 20 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $95K approved, $48K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Big Horn Federal Savings Bank
What are Big Horn Federal Savings Bank's total assets?
As of the Q2 2026 filing, Big Horn Federal Savings Bank reported total assets of $399.8 million in its FFIEC call report.
Where is Big Horn Federal Savings Bank headquartered?
It is headquartered in Greybull, WY, United States.
When was Big Horn Federal Savings Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Big Horn Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29637). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Big Horn Federal Savings Bank?
Big Horn Federal Savings Bank's primary federal regulator is the OCC.
What is Big Horn Federal Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 22.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Big Horn Federal Savings Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Big Horn Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 2.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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