BlastPoint's Banking Scorecard
Little Horn State Bank
Hardin, MT
3 branches across MT · WY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 23 in MT.
- Deposits +11.7% year over year ($347.5M on the books).
- Delinquency rate 1.16%.
- Return on assets 1.31%.
- Efficiency ratio 44.00% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Little Horn State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.48% below tier average
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.83% above tier average
- - Delinquency Rate 0.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$412.6M
+11.2% YoY
+1.7% QoQ
|
+$26.0M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
63% |
| Total Loans ? |
$350.2M
+15.8% YoY
+5.3% QoQ
|
+$91.8M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$347.5M
+11.7% YoY
+1.8% QoQ
|
+$20.7M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.31%
+211.3% YoY
-10.4% QoQ
|
-0.01% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
4.24%
+4.4% YoY
+1.3% QoQ
|
+0.26% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
44.00%
-9.3% YoY
+3.2% QoQ
|
-20.48% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
Top 7.6% in tier |
| Delinquency Rate ? |
1.16%
+114.5% YoY
+19.4% QoQ
|
+0.24% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
100.78%
+3.6% YoY
+3.5% QoQ
|
+22.83% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.62%
+37.9% YoY
+5.9% QoQ
|
-10.41% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.7% in tier |
| Nonperforming Asset Ratio ? |
0.99%
+123.2% YoY
+23.7% QoQ
|
+0.32% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
11.34%
-0.3% YoY
-1.8% QoQ
|
-4.57% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.14%
+2.2% YoY
+122.3% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.6%
+3.2pp YoY +0.6pp QoQ |
-10.5pp | 22.1% | 26.8% | 22.2% | 13% |
| Brokered Deposits |
22.3%
-4.3pp YoY -2.8pp QoQ |
+14.4pp | 7.9% | 10.6% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.2%
-2.7pp YoY -0.5pp QoQ |
-4.4pp | 11.6% | 14.3% | 12.5% | 34% |
| CRE |
47.6%
+3.1pp YoY -0.6pp QoQ |
+8.0pp | 39.5% | 42.8% | 41.4% | 66% |
| 1-4 Family |
22.8%
+2.6pp YoY +0.2pp QoQ |
-9.8pp | 32.6% | 26.0% | 31.3% | 36% |
| Consumer |
0.8%
-0.3pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 2.7% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.3%
0.0pp YoY -0.2pp QoQ |
-7.5pp | 18.8% | 22.4% | 19.7% | 10% |
| Leverage Ratio |
10.3%
-0.3pp YoY -0.1pp QoQ |
-1.8pp | 12.2% | 13.2% | 12.6% | 38% |
| Total Capital Ratio |
12.6%
0.0pp YoY -0.2pp QoQ |
-7.3pp | 19.9% | 23.5% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
-1 (-2.4%) YoY 0 QoQ |
-19 | 58 | 284 | 482 | 41% |
| Assets per Employee ($) |
$10.3M
+14.0% YoY +1.7% QoQ |
+$2.8M | $7.5M | $8.1M | $8.8M | 87% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 21 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.6% | 0.4% | 34% |
| Nonaccrual |
1.1%
+0.6pp YoY +0.2pp QoQ |
+0.2pp | 0.9% | 1.1% | 1.0% | 74% |
| Allowance Coverage |
1.25x
-50.2% YoY -17.7% QoQ |
-22.90x | 24.15x | 3.69x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
0.5%
-1.0pp YoY +0.3pp QoQ |
+0.4pp | 0.1% | 0.0% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+8.6pp YoY -1.6pp QoQ |
+0.8pp | 12.2% | 14.2% | 11.6% | 56% |
| Cost of Funds (YTD) |
2.8%
-0.2pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.5% | 1.7% | 96% |
| Net Income ($, YTD) |
$2.7M
+263.3% YoY — QoQ |
+$97K | $2.6M | $14.9M | $40.4M | 64% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.