BlastPoint's Banking Scorecard
Big Horn Federal Savings Bank
Designations: ✓ Mutual
Greybull, WY
6 branches across WY
Big Horn Federal Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.4% in tier
- - Margin Compression: Bottom 25.2% in tier
- - Credit Risk Growth: Bottom 44.7% in tier
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 3.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$402.1M
+7.1% YoY
+2.5% QoQ
|
+$16.1M |
$386.1M
+0.5% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$174.5M
+12.0% YoY
+1.0% QoQ
|
-$81.2M |
$255.7M
+1.1% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$336.3M
+6.7% YoY
+3.6% QoQ
|
+$8.3M |
$328.0M
+0.1% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
0.79%
-14.5% YoY
-19.2% QoQ
|
-0.48% |
1.27%
+12.9% YoY
|
1.18%
+46.8% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.02%
+14.6% YoY
+2.8% QoQ
|
-0.91% |
3.93%
+6.0% YoY
|
3.82%
+5.9% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio ? |
68.97%
+0.5% YoY
+6.9% QoQ
|
+3.68% |
65.29%
-4.5% YoY
|
71.89%
-9.4% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
0.27%
+3.0% YoY
+7.6% QoQ
|
-0.62% |
0.89%
+18.8% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
51.89%
+5.0% YoY
-2.5% QoQ
|
-24.75% |
76.64%
+0.8% YoY
|
68.79%
+12.9% YoY
|
76.70%
+0.9% YoY
|
Top 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.77%
+3.8% YoY
-1.2% QoQ
|
-4.25% |
22.02%
-1.0% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.12%
+7.8% YoY
+6.0% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.38%
+6.8% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
19.93%
-9.3% YoY
+0.3% QoQ
|
+4.10% |
15.83%
+1.5% YoY
|
19.62%
+12.7% YoY
|
17.06%
+0.8% YoY
|
Top 13.7% in tier |
| Non-Interest Income / Assets ? |
0.14%
-44.5% YoY
-79.2% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.1% YoY
|
71% |
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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 (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.