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Big Horn Federal Savings Bank

Greybull, WY · Cert 29637

State savings bank · OCC · 6 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 in a single state3

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 in a single state (n=743 to 746). 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

44

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

Big Horn Federal Savings Bank

Greybull, WY · Cert 29637

State savings bank · OCC · 6 branches

Q2 2026

$399.8MAssets
$183.0MLoans
$338.4MDeposits
$44.7MEquity
Loan mix
79%RE $128.2M15%C&I $24.2M7%Consumer $10.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $275.4M19%Noninterest $62.9MQ2 2025Q2 2026

NIM

3.79%Q2 ’244.08%Q2 ’254.42%Q2 ’26+4%+15%

Non-interest income vs. expense

2.62%Q2 ’242.38%Q2 ’252.43%Q2 ’26+7%+13%

Executive Summary

  • Earnings: ROA of 0.95%, up 9 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.70% of loans (+43 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.32%, up 45 bps from a year ago.
  • Funding: loans stand at 54.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+38 bps YoY

Efficiency Ratio (YTD, annualized)

66.45%-302 bps YoY

Tier 1 Leverage Ratio

11.32%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.86%0.98%0.79%0.95%+9 bps
Return on Equity8.17%8.15%9.23%7.26%8.65%+48 bps
Net Interest Margin2.62%2.63%2.65%2.82%3.00%+38 bps
Efficiency Ratio69.46%68.40%64.54%68.97%66.45%-302 bps
Non-Interest Burden1.57%1.57%1.46%1.76%1.77%+20 bps
Growth
Asset Growth (YoY)7.76%6.04%6.98%7.10%5.12%-264 bps
Loan Growth (YoY)13.80%13.90%13.63%12.03%11.28%-252 bps
Deposit Growth (YoY)7.08%6.77%6.10%6.66%6.06%-102 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.94%0.24%0.26%0.70%+43 bps
Net Charge-Offs / Loans0.00%-0.01%0.01%0.07%0.05%+5 bps
Allowance / Loans1.28%1.31%1.29%1.30%1.28%0 bps
Allowance Coverage of NPLs4.8x1.4x5.3x4.9x1.8x-3.0x
Capital
Tier 1 Leverage Ratio10.87%10.70%10.79%10.93%11.32%+45 bps
Total Risk-Based Capital23.01%20.95%21.00%21.05%23.63%+62 bps
Equity / Assets10.59%10.53%10.94%10.83%11.17%+58 bps
Liquidity & Funding
Loans / Deposits51.54%51.65%53.92%52.57%54.08%+254 bps
Liquid Assets / Assets42.58%43.22%41.46%42.24%40.36%-222 bps
CRE / Total Capitaln/a91.63%90.68%93.29%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

Big Horn Federal Savings Bank

Greybull, WY · Cert 29637 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 6 branches

Q2 2026

$399.8MAssets
$183.0MLoans
$338.4MDeposits
$44.7MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 89% of banks under $1B in assets operating in a single state (rank 85 of 746).
  • Widest gap: net interest margin trails 82% of banks under $1B in assets operating in a single state (rank 612 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.95%

Rank 434 of 746

Net Interest Margin

3.00%

Rank 612 of 746

Efficiency Ratio

66.45%

Rank 416 of 746

Equity / Assets

11.17%

Rank 307 of 746

Non-interest income vs. expense

$2.6M$9.6MINCOMEEXPENSE
Unfavorable gap of $7.0M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state
Bank 66.45%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.72%1.06%1.45%Beats 42%434 / 746
Return on Equity8.46%6.74%10.51%13.63%Beats 37%469 / 746
Net Interest Margin3.00%3.17%3.68%4.16%Beats 18%612 / 746
Efficiency Ratio66.45%55.74%64.58%75.47%Beats 44%416 / 746
Asset Quality
Nonperforming Loans / Loans0.70%0.09%0.42%1.07%Beats 38%464 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 27%548 / 743
Capital
Tier 1 Capital Ratio22.38%11.55%13.75%17.60%Beats 88%89 / 746
Total Risk-Based Capital Ratio23.63%11.71%14.33%18.43%Beats 89%85 / 746
Equity / Assets11.17%8.90%10.51%13.06%Beats 59%307 / 746
Liquidity & Funding
Loans / Deposits54.08%61.31%78.27%90.78%16th pctl625 / 746
Loans / Assets45.77%53.60%66.97%76.08%15th pctl635 / 746
Brokered Deposits / Depositsn/aNot reported for this institution