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
Unfavorable gap of $6.5M · efficiency ratio beats 95% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.82% | 1.19% | 1.50% | Beats 57% | 43 / 100 | |
| Return on Equity | 12.62% | 7.96% | 11.91% | 14.16% | Beats 58% | 42 / 100 | |
| Net Interest Margin | 4.02% | 3.43% | 3.80% | 4.17% | Beats 68% | 32 / 100 | |
| Efficiency Ratio | 44.00% | 55.88% | 62.41% | 72.90% | Beats 95% | 6 / 100 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.19% | 0.47% | 1.06% | Beats 23% | 78 / 100 | |
| Net Charge-Offs / Loans | 0.36% | 0.00% | 0.02% | 0.06% | Beats 6% | 95 / 100 | |
| Capital |
| Tier 1 Capital Ratio | 11.34% | 10.31% | 12.02% | 14.75% | Beats 38% | 62 / 100 | |
| Total Risk-Based Capital Ratio | 12.59% | 10.50% | 12.71% | 15.64% | Beats 48% | 52 / 100 | |
| Equity / Assets | 10.19% | 8.89% | 10.14% | 11.36% | Beats 53% | 47 / 100 | |
| Liquidity & Funding |
| Loans / Deposits | 102.25% | 73.97% | 83.99% | 92.79% | 88th pctl | 12 / 100 | |
| Loans / Assets | 86.12% | 62.33% | 70.97% | 78.76% | 94th pctl | 6 / 100 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |