Little Horn State 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: 22.82 percentage points lower than in Q1 2026, at 129.48%. Little Horn State Bank ranks 25th of 35 Montana banks on return on assets, in the lower half at 1.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Little Horn State Bank sits 0.09 points lower, at 1.17% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.59% |
| Tier 1 leverage ratio | 10.34% |
| Equity capital to assets | 10.19% |
| Tangible equity to tangible assets | 10.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | 0.78% |
| Texas ratio | 8.64% |
| Allowance for credit losses to loans | 1.44% |
| Reserve coverage of non-performing loans | 129.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 11.45% |
| Net interest margin | 4.24% |
| Efficiency ratio | 45.30% |
| Yield on earning assets | 7.04% |
| Cost of funds | 3.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.25% |
| Core deposits to total deposits | 70.18% |
| Brokered deposits to total deposits | 22.27% |
| Deposits to assets | 84.22% |
| Securities to assets | 0.00% |
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 | 11.46% | 11.46% | 12.71% | 10.23% | 0.59% |
| Q4 2023 | 12.54% | 12.54% | 13.79% | 11.77% | 1.19% |
| Q1 2024 | 11.80% | 11.80% | 13.05% | 10.93% | 1.14% |
| Q2 2024 | 10.79% | 10.79% | 12.04% | 10.23% | 1.06% |
| Q3 2024 | 11.11% | 11.11% | 12.36% | 10.16% | 1.11% |
| Q4 2024 | 10.54% | 10.54% | 11.79% | 9.75% | 1.10% |
| Q1 2025 | 10.91% | 10.91% | 12.17% | 10.22% | 0.47% |
| Q2 2025 | 11.37% | 11.37% | 12.62% | 10.62% | 0.40% |
| Q3 2025 | 11.25% | 11.25% | 12.50% | 10.31% | 0.67% |
| Q4 2025 | 11.25% | 11.25% | 12.50% | 10.16% | 1.32% |
| Q1 2026 | 11.54% | 11.54% | 12.80% | 10.40% | 1.49% |
| Q2 2026 | 11.34% | 11.34% | 12.59% | 10.34% | 1.17% |
Little Horn State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Little Horn State 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 Little Horn State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11821) · FFIEC NIC profile (RSSD 537551)