Little Horn State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.39 percentage points higher than in Q1 2026, at 102.25%. On loan-to-deposit ratio, Little Horn State Bank ranks 2nd highest among the 35 banks headquartered in Montana, at 102.25% (Q2 2026). Little Horn State Bank reported 102.25% on loan-to-deposit ratio for Q2 2026, 21.31 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $355.3M |
| Net loans and leases | $350.2M |
| Loans held for sale | $0 |
| Loans to total assets | 86.12% |
| Loan-to-deposit ratio | 102.25% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.94% |
| Multifamily (5+ residential) | 2.58% |
| Commercial and industrial | 7.08% |
| Consumer | 0.75% |
| Credit cards | 0.00% |
| Farm | 12.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 248.93% |
| Construction concentration (Tier 1 capital + allowance) | 85.73% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.53% |
| Interest income on loans | $6.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $171.9M | $161.4M | 22.92% | 10.64% | 1.85% |
| Q4 2023 | $191.1M | $177.9M | 23.18% | 10.06% | 1.84% |
| Q1 2024 | $208.8M | $202.6M | 25.79% | 9.96% | 1.62% |
| Q2 2024 | $232.4M | $228.4M | 25.72% | 9.49% | 1.11% |
| Q3 2024 | $250.6M | $244.7M | 24.61% | 10.16% | 1.11% |
| Q4 2024 | $269.5M | $271.4M | 25.08% | 10.01% | 0.86% |
| Q1 2025 | $284.4M | $298.8M | 26.37% | 8.53% | 0.90% |
| Q2 2025 | $306.6M | $311.0M | 28.80% | 9.72% | 1.00% |
| Q3 2025 | $318.9M | $318.1M | 30.12% | 8.49% | 0.78% |
| Q4 2025 | $337.1M | $333.0M | 31.14% | 7.85% | 0.81% |
| Q1 2026 | $337.4M | $341.3M | 33.40% | 7.52% | 0.75% |
| Q2 2026 | $355.3M | $347.5M | 32.94% | 7.08% | 0.75% |
Little Horn State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Little Horn State Bank, freeSource: Call Report Schedule RC-C, 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)