Little Horn State Bank
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Data as of · sourced from FFIEC call reports. How we update
Little Horn State Bank is an FDIC-insured commercial bank headquartered in Hardin, MT, established in 1919 (FDIC certificate 11821), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $412.6M, up 11.2% from Q2 2025, the 12th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 11.34% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11821
- Headquarters
- Hardin, MT
- Established
- 1919
- Total assets, Q2 2026
- $412.6M
- Assets vs Q2 2025
- +11.2%
- CET1 ratio, Q2 2026
- 11.34%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 092904761
- Latest call report
- Q2 2026, FFIEC 051 · Little Horn State Bank call report
- Holding company
- ANTLER LAND COMPANY
- Asset rank in state
- 12th of 35 in Montana
Problem loans are rising at Little Horn State Bank. Based in Hardin, Montana, it had $413 million in assets at June 30, 2026, up 11.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.15% of loans from 0.53% a year earlier. It pays an average of 3.05% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 11.34% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Loans are outrunning deposits: over the year loans rose 15.9% and deposits rose 11.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Little Horn State Bank reported a CET1 capital ratio of 11.34%, a return on assets of 1.17%, a nonperforming-loan ratio of 1.15% and a Texas ratio of 8.64%. The figures come from its call report filed with the FFIEC.
Little Horn State Bank ranks as the 12th largest of the 35 banks based in Montana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $412.6M, loans rose 5.3% and deposits rose 1.8%. 1-4 family residential loans made up 22.5% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.1%. Its 3 offices in the FDIC Summary of Deposits are in Hardin, MT, Billings, MT and Sheridan, WY; its Hardin office books 62% of its branch deposits. By the capital ratios in its Q2 2026 call report, Little Horn State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 835 N Center Ave, Hardin, MT 59034
- County
- Big Horn
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $347.5M
- Allowance for credit losses
- $5.1M
- Net charge-offs (YTD)
- $901K
- Average total assets
- $406.4M
- Average total loans
- $346.6M
- Average interest-bearing deposits
- $303.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11821
- Fed RSSD
- 537551
- SEC CIK
- 1178683 → filed by BITTERROOT HOLDING COMPANY
- Website
- www.littlehornstatebank.com →
- Parent Holding Company
- ANTLER LAND COMPANY (RSSD 1122301)
- Ultimate Parent
- BITTERROOT HOLDING COMPANY (RSSD 1128880)
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
Little Horn State Bank's total assets moved between a low of $203.9M (Q3 2023) and a high of $412.6M (Q2 2026) from Q3 2023 to Q2 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
$412.6M total assets against $370.9M; $370.5M total liabilities against $333.4M.
$350.2M net loans and leases against $302.5M; $347.5M total deposits against $311.0M.
$15K securities against $15K; $46.1M cash and balances due against $54.0M.
$6.9M total interest income against $6.1M; $2.8M total interest expense against $2.5M.
$4.2M net interest income against $3.5M.
$320K total noninterest income against $365K; $2.0M total noninterest expense against $1.7M.
$850K provision for credit losses against $1.7M.
$1.2M net income against $351K.
1.17% return on assets against 0.40%; 4.24% net interest margin against 4.15%.
11.34% CET1 capital ratio against 11.37%; 10.34% tier 1 leverage ratio against 10.62%.
Inside the full Little Horn State 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Little Horn State Bank rankings
Its closest position to the top of a national ranking is 434 of 3,606, for efficiency ratio; its furthest is 1,884 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.40% (Q2 2025) to 1.49% (Q1 2026) and its net interest margin ran from 4.01% (Q1 2025) to 4.45% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.17% | 1.15% | 8.64% | 4.24% |
| Q1 2026 | 11.54% | 1.49% | 0.96% | 7.07% | 4.20% |
| Q4 2025 | 11.25% | 1.32% | 0.76% | 5.79% | 4.30% |
| Q3 2025 | 11.25% | 0.67% | 0.05% | 0.37% | 4.33% |
| Q2 2025 | 11.37% | 0.40% | 0.53% | 3.94% | 4.15% |
| Q1 2025 | 10.91% | 0.47% | 2.41% | 18.19% | 4.01% |
| Q4 2024 | 10.54% | 1.10% | 0.10% | 0.81% | 4.18% |
| Q3 2024 | 11.11% | 1.11% | 0.29% | 2.23% | 4.45% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Little Horn State Bank (main office) | Hardin , MT | 59034 | $216.7M |
| Billings Branch | Billings , MT | 59102 | $105.7M |
| Little Horn State Bank Branch | Sheridan , WY | 82801 | $25.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in MT, rank 15 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 101 applications, 90 loans originated, $33.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Little Horn State Bank
What are Little Horn State Bank's total assets?
As of the Q2 2026 filing, Little Horn State Bank reported total assets of $412.6 million in its FFIEC call report.
Where is Little Horn State Bank headquartered?
It is headquartered in Hardin, MT, United States.
When was Little Horn State Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Little Horn State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Little Horn State Bank?
Little Horn State Bank's primary federal regulator is the FDIC.
What is Little Horn State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does Little Horn State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Little Horn State Bank's Texas Ratio?
Its Texas Ratio is 8.64% 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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