Big Horn Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 201.34 percentage points lower than in Q1 2026, at 194.18%. Within Wyoming, Big Horn Federal Savings Bank is 17th of 24 on return on assets, 1.11% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Big Horn Federal Savings Bank sits 0.13 points lower, at 1.11% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 22.38% |
| Tier 1 risk-based capital ratio | 22.38% |
| Total risk-based capital ratio | 23.63% |
| Tier 1 leverage ratio | 11.32% |
| Equity capital to assets | 11.17% |
| Tangible equity to tangible assets | 11.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.66% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.75% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 194.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.11% |
| Return on equity | 10.03% |
| Net interest margin | 3.49% |
| Efficiency ratio | 63.57% |
| Yield on earning assets | 5.05% |
| Cost of funds | 1.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.08% |
| Core deposits to total deposits | 89.41% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.64% |
| Securities to assets | 42.10% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.66% | 20.66% | 21.91% | 10.06% | 0.60% |
| Q4 2023 | 21.34% | 21.34% | 22.59% | 10.33% | 1.06% |
| Q1 2024 | 21.58% | 21.58% | 22.83% | 10.52% | 0.74% |
| Q2 2024 | 21.49% | 21.49% | 22.72% | 10.76% | 0.77% |
| Q3 2024 | 21.38% | 21.38% | 22.59% | 10.54% | 0.65% |
| Q4 2024 | 21.65% | 21.65% | 22.89% | 10.54% | 1.19% |
| Q1 2025 | 21.97% | 21.97% | 23.21% | 10.76% | 0.92% |
| Q2 2025 | 21.78% | 21.78% | 23.01% | 10.87% | 0.80% |
| Q3 2025 | 19.81% | 19.81% | 20.95% | 10.70% | 0.85% |
| Q4 2025 | 19.88% | 19.88% | 21.00% | 10.79% | 1.30% |
| Q1 2026 | 19.93% | 19.93% | 21.05% | 10.93% | 0.78% |
| Q2 2026 | 22.38% | 22.38% | 23.63% | 11.32% | 1.11% |
Big Horn Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Big Horn Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Big Horn Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29637) · FFIEC NIC profile (RSSD 521970)