BlastPoint's Banking Scorecard

Little Horn State Bank

$100M-$1B Specialty: Commercial MT FDIC cert 11821

Hardin, MT

3 branches across MT · WY

2664 banks in the $100M-$1B peer group nationally 22 in MT

Little Horn State Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 22.67% below tier average
+ ROA 0.19% above tier average
+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.09% above tier average

Get updates when Little Horn State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$405.8M +16.0% YoY +2.6% QoQ	+$19.7M	$386.1M +0.5% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$332.5M +18.8% YoY +0.0% QoQ	+$76.8M	$255.7M +1.1% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	72%
Total Deposits ?	$341.3M +14.2% YoY +2.5% QoQ	+$13.4M	$328.0M +0.1% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	1.46% +222.8% YoY +101.6% QoQ	+0.19%	1.27% +12.9% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	4.19% +6.4% YoY -1.2% QoQ	+0.26%	3.93% +6.0% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	42.61% -19.9% YoY -5.3% QoQ	-22.67%	65.29% -4.5% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	Top 6.1% in tier
Delinquency Rate ?	0.97% -60.3% YoY +26.6% QoQ	+0.09%	0.89% +18.8% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	97.41% +4.0% YoY -2.4% QoQ	+20.78%	76.64% +0.8% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	Bottom 11.8% in tier
Non-Interest-Bearing Deposit Share ?	10.97% -1.0% YoY -14.6% QoQ	-11.05%	22.02% -1.0% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	Bottom 12.6% in tier
Nonperforming Asset Ratio ?	0.80% -59.3% YoY +23.5% QoQ	+0.16%	0.64% +19.7% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	11.54% +5.8% YoY +2.6% QoQ	-4.29%	15.83% +1.5% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.06% +56.5% YoY -78.8% QoQ	-0.22%	0.28% +9.3% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	28%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

164

Efficiency Ratio

profitability

Value: 42.61%

Peer Median: 65.29%

#164 of 2664 Top 6.1% in $100M-$1B

Top Weaknesses (2 metrics)

2350

Loan-to-Deposit Ratio

liquidity

Value: 97.41%

Peer Median: 76.64%

#2350 of 2664 Bottom 11.8% in $100M-$1B

2329

Non-Interest-Bearing Deposit Share

funding

Value: 10.97%

Peer Median: 22.02%

#2329 of 2664 Bottom 12.6% in $100M-$1B