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Little Horn State Bank

Hardin, MT · Cert 11821 · Bitterroot Holding Co.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating regionally (n=100). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

46

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

95

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Little Horn State Bank

Hardin, MT · Cert 11821 · Bitterroot Holding Co.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (18 in holding)

Q2 2026

$412.6MAssets
$355.3MLoans
$347.5MDeposits
$42.0MEquity
Loan mix
91%RE $275.0M8%C&I $25.4M1%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $307.1M12%Noninterest $40.4MQ2 2025Q2 2026

NIM

6.65%Q2 ’246.56%Q2 ’256.69%Q2 ’26-6%+6%

Non-interest income vs. expense

2.62%Q2 ’241.97%Q2 ’251.89%Q2 ’26-21%-4%

Market Position · Billings, MT · 2026 SOD (annual) · 1.3% share · #9 of 13 inst. · $0.1B of $8.0B

69.6% Big Horn
1.4% Yellowstone
1.8% Sheridan

Executive Summary

  • Earnings: ROA of 1.31%, up 89 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 1.15% of loans (+61 bps YoY), with net charge-offs at 0.51%.
  • Capital: tier 1 leverage ratio of 10.34%, down 28 bps from a year ago.
  • Funding: loans stand at 102.25% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+89 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+24 bps YoY

Efficiency Ratio (YTD, annualized)

44.00%-450 bps YoY

Tier 1 Leverage Ratio

10.34%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.51%0.73%1.46%1.31%+89 bps
Return on Equity4.36%5.21%7.40%14.60%13.01%+865 bps
Net Interest Margin3.78%3.80%3.76%4.06%4.02%+24 bps
Efficiency Ratio48.49%46.53%45.02%42.61%44.00%-450 bps
Non-Interest Burden1.68%1.59%1.52%1.58%1.61%-7 bps
Growth
Asset Growth (YoY)36.67%29.72%23.92%15.96%11.23%-2,544 bps
Loan Growth (YoY)31.93%27.27%25.05%18.63%15.86%-1,607 bps
Deposit Growth (YoY)36.16%30.04%22.68%14.25%11.73%-2,442 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.05%0.76%0.96%1.15%+61 bps
Net Charge-Offs / Loans1.45%1.53%1.20%0.27%0.51%-94 bps
Allowance / Loans1.34%1.34%1.40%1.46%1.44%+9 bps
Allowance Coverage of NPLs2.5x27.7x1.8x1.5x1.3x-1.3x
Capital
Tier 1 Leverage Ratio10.62%10.31%10.16%10.40%10.34%-28 bps
Total Risk-Based Capital12.62%12.50%12.50%12.80%12.59%-3 bps
Equity / Assets10.11%10.05%9.96%10.07%10.19%+8 bps
Liquidity & Funding
Loans / Deposits98.61%100.25%101.22%98.86%102.25%+364 bps
Liquid Assets / Assets0.10%0.13%0.10%0.08%0.09%-1 bps
CRE / Total Capitaln/a376%395%392%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Little Horn State Bank

Hardin, MT · Cert 11821 · Peer group: banks under $1B in assets operating regionally (n=100) · Bitterroot Holding Co.

State charter, non-member · FDIC · 1 affiliate bank · 3 branches (18 in holding)

Q2 2026

$412.6MAssets
$355.3MLoans
$347.5MDeposits
$42.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 95% of banks under $1B in assets operating regionally (rank 6 of 100).
  • Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets operating regionally (rank 95 of 100).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.29%

Rank 43 of 100

Net Interest Margin

4.02%

Rank 32 of 100

Efficiency Ratio

44.00%

Rank 6 of 100

Equity / Assets

10.19%

Rank 47 of 100

Non-interest income vs. expense

$1.1M$7.7MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 95% of banks under $1B in assets operating regionally
Bank 44.00%Peer median 62.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.29%0.82%1.19%1.50%Beats 57%43 / 100
Return on Equity12.62%7.96%11.91%14.16%Beats 58%42 / 100
Net Interest Margin4.02%3.43%3.80%4.17%Beats 68%32 / 100
Efficiency Ratio44.00%55.88%62.41%72.90%Beats 95%6 / 100
Asset Quality
Nonperforming Loans / Loans1.15%0.19%0.47%1.06%Beats 23%78 / 100
Net Charge-Offs / Loans0.36%0.00%0.02%0.06%Beats 6%95 / 100
Capital
Tier 1 Capital Ratio11.34%10.31%12.02%14.75%Beats 38%62 / 100
Total Risk-Based Capital Ratio12.59%10.50%12.71%15.64%Beats 48%52 / 100
Equity / Assets10.19%8.89%10.14%11.36%Beats 53%47 / 100
Liquidity & Funding
Loans / Deposits102.25%73.97%83.99%92.79%88th pctl12 / 100
Loans / Assets86.12%62.33%70.97%78.76%94th pctl6 / 100
Brokered Deposits / Depositsn/aNot reported for this institution