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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