Little Horn State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 6.4% in Q2 2026 to $19.7M, the biggest move on this page. On CET1 ratio, Little Horn State Bank is 2nd from the bottom among 21 Montana banks, 11.34% (Q2 2026). Little Horn State Bank reported 11.34% on CET1 ratio for Q2 2026, 3.73 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.59% |
| Tier 1 leverage ratio | 10.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.0M |
| Tier 1 capital | $42.0M |
| Total risk-based capital | $46.7M |
| Total equity capital | $42.0M |
| Risk-weighted assets | $370.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
| Equity capital to average assets | 10.34% |
| Internal capital growth rate | 11.62% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $921K |
| Common stock surplus | $21.5M |
| Retained earnings | $19.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.46% | 11.46% | 12.71% | 10.23% | $175.9M |
| Q4 2023 | 12.54% | 12.54% | 13.79% | 11.77% | $197.7M |
| Q1 2024 | 11.80% | 11.80% | 13.05% | 10.93% | $215.6M |
| Q2 2024 | 10.79% | 10.79% | 12.04% | 10.23% | $242.1M |
| Q3 2024 | 11.11% | 11.11% | 12.36% | 10.16% | $260.4M |
| Q4 2024 | 10.54% | 10.54% | 11.79% | 9.75% | $282.2M |
| Q1 2025 | 10.91% | 10.91% | 12.17% | 10.22% | $303.6M |
| Q2 2025 | 11.37% | 11.37% | 12.62% | 10.62% | $329.7M |
| Q3 2025 | 11.25% | 11.25% | 12.50% | 10.31% | $338.8M |
| Q4 2025 | 11.25% | 11.25% | 12.50% | 10.16% | $350.1M |
| Q1 2026 | 11.54% | 11.54% | 12.80% | 10.40% | $353.9M |
| Q2 2026 | 11.34% | 11.34% | 12.59% | 10.34% | $370.8M |
Little Horn State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Little Horn State Bank, freeSource: Call Report Schedule RC-R, 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 Little Horn State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11821) · FFIEC NIC profile (RSSD 537551)