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
Unfavorable gap of $6.5M · efficiency ratio beats 97% 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% | 1.46% | Beats 59% | 39 / 94 | |
| Return on Equity | 12.62% | 7.85% | 11.84% | 14.03% | Beats 60% | 38 / 94 | |
| Net Interest Margin | 4.02% | 3.42% | 3.81% | 4.18% | Beats 66% | 32 / 94 | |
| Efficiency Ratio | 44.00% | 55.99% | 62.41% | 73.02% | Beats 97% | 4 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.19% | 0.47% | 1.14% | Beats 24% | 72 / 94 | |
| Net Charge-Offs / Loans | 0.36% | 0.00% | 0.02% | 0.05% | Beats 5% | 90 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 11.34% | 10.28% | 11.95% | 15.07% | Beats 40% | 56 / 94 | |
| Total Risk-Based Capital Ratio | 12.59% | 10.31% | 12.59% | 15.88% | Beats 50% | 47 / 94 | |
| Equity / Assets | 10.19% | 8.98% | 10.21% | 11.41% | Beats 49% | 48 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 102.25% | 72.62% | 84.44% | 94.55% | 87th pctl | 12 / 94 | |
| Loans / Assets | 86.12% | 62.50% | 72.84% | 78.99% | 93rd pctl | 7 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |