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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=94). 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

62

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

97

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 $2.5MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $307.1M12%Noninterest $40.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.09%0.45%0.42%0.51%0.73%1.46%1.31%+89 bps
Return on Equity10.81%11.01%4.82%4.36%5.21%7.40%14.60%13.01%+865 bps
Net Interest Margin3.85%3.70%3.86%3.78%3.80%3.76%4.06%4.02%+24 bps
Efficiency Ratio57.34%54.49%53.17%48.49%46.53%45.02%42.61%44.00%-450 bps
Non-Interest Burden2.06%1.87%1.97%1.68%1.59%1.52%1.58%1.61%-7 bps
Growth
Asset Growth (YoY)43.43%39.90%42.42%36.67%29.72%23.92%15.96%11.23%-2,544 bps
Loan Growth (YoY)45.81%41.01%36.20%31.93%27.27%25.05%18.63%15.86%-1,607 bps
Deposit Growth (YoY)51.54%52.58%47.47%36.16%30.04%22.68%14.25%11.73%-2,442 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.10%2.41%0.53%0.05%0.76%0.96%1.15%+61 bps
Net Charge-Offs / Loans0.05%0.13%0.14%1.45%1.53%1.20%0.27%0.51%-94 bps
Allowance / Loans1.31%1.35%1.60%1.34%1.34%1.40%1.46%1.44%+9 bps
Allowance Coverage of NPLs4.6x13.5x0.7x2.5x27.7x1.8x1.5x1.3x-1.3x
Capital
Tier 1 Leverage Ratio10.16%9.75%10.22%10.62%10.31%10.16%10.40%10.34%-28 bps
Total Risk-Based Capital12.36%11.79%12.17%12.62%12.50%12.50%12.80%12.59%-3 bps
Equity / Assets9.88%9.31%9.47%10.11%10.05%9.96%10.07%10.19%+8 bps
Liquidity & Funding
Loans / Deposits102.43%99.30%95.21%98.61%100.25%101.22%98.86%102.25%+364 bps
Liquid Assets / Assets0.14%0.06%0.06%0.10%0.13%0.10%0.08%0.09%-1 bps
CRE / Total Capitaln/an/an/an/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=94) · 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 97% of banks under $1B in assets operating regionally (rank 4 of 94).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets operating regionally (rank 90 of 94).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.29%

Rank 39 of 94

Net Interest Margin

4.02%

Rank 32 of 94

Efficiency Ratio

44.00%

Rank 4 of 94

Equity / Assets

10.19%

Rank 48 of 94

Non-interest income vs. expense

$1.1M$7.7MINCOMEEXPENSE
Unfavorable gap of $6.5M · efficiency ratio beats 97% 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 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.29%0.82%1.19%1.46%Beats 59%39 / 94
Return on Equity12.62%7.85%11.84%14.03%Beats 60%38 / 94
Net Interest Margin4.02%3.42%3.81%4.18%Beats 66%32 / 94
Efficiency Ratio44.00%55.99%62.41%73.02%Beats 97%4 / 94
Asset Quality
Nonperforming Loans / Loans1.15%0.19%0.47%1.14%Beats 24%72 / 94
Net Charge-Offs / Loans0.36%0.00%0.02%0.05%Beats 5%90 / 94
Capital
Tier 1 Capital Ratio11.34%10.28%11.95%15.07%Beats 40%56 / 94
Total Risk-Based Capital Ratio12.59%10.31%12.59%15.88%Beats 50%47 / 94
Equity / Assets10.19%8.98%10.21%11.41%Beats 49%48 / 94
Liquidity & Funding
Loans / Deposits102.25%72.62%84.44%94.55%87th pctl12 / 94
Loans / Assets86.12%62.50%72.84%78.99%93rd pctl7 / 94
Brokered Deposits / Depositsn/aNot reported for this institution