BlastPoint's Banking Scorecard
Big Horn Federal Savings Bank
Designations: ✓ Mutual
Greybull, WY
6 branches across 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 17 in WY.
- Deposits +6.1% year over year ($338.4M on the books).
- Delinquency rate 0.71%.
- Return on assets 0.95%.
- Efficiency ratio 66.45% vs a 64.48% peer average.
- Loan-to-deposit ratio 53.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Big Horn Federal Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Net Interest Margin 0.80% below tier average
- - Efficiency Ratio 1.97% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$399.8M
+5.1% YoY
-0.6% QoQ
|
+$13.2M |
$386.6M
+1.2% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$180.6M
+11.3% YoY
+3.5% QoQ
|
-$77.7M |
$258.3M
+1.7% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$338.4M
+6.1% YoY
+0.6% QoQ
|
+$11.6M |
$326.7M
+0.7% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
0.95%
+10.8% YoY
+20.3% QoQ
|
-0.37% |
1.32%
+10.8% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.19%
+14.0% YoY
+5.5% QoQ
|
-0.80% |
3.99%
+5.0% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
66.45%
-4.3% YoY
-3.7% QoQ
|
+1.97% |
64.48%
-3.2% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.71%
+161.6% YoY
+165.4% QoQ
|
-0.21% |
0.92%
+15.7% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
53.39%
+4.9% YoY
+2.9% QoQ
|
-24.57% |
77.95%
+1.0% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
Top 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.60%
+4.5% YoY
+4.6% QoQ
|
-3.43% |
22.03%
-0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.32%
+176.9% YoY
+176.4% QoQ
|
-0.35% |
0.67%
+16.4% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
22.38%
+2.8% YoY
+12.3% QoQ
|
+6.47% |
15.91%
+1.4% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
Top 9.8% in tier |
| Non-Interest Income / Assets ? |
0.33%
-18.7% YoY
+128.1% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
76% |
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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.6%
+0.8pp YoY +0.8pp QoQ |
-3.6pp | 22.1% | 24.7% | 22.2% | 38% |
| Brokered Deposits | n/a | n/a | 7.9% | 12.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.1%
-0.3pp YoY -0.8pp QoQ |
+1.5pp | 11.6% | 16.1% | 12.5% | 69% |
| CRE |
23.7%
-0.8pp YoY +0.4pp QoQ |
-15.8pp | 39.5% | 45.3% | 41.4% | 24% |
| 1-4 Family |
46.3%
+3.6pp YoY +0.8pp QoQ |
+13.6pp | 32.6% | 25.2% | 31.3% | 78% |
| Consumer |
5.4%
-1.3pp YoY -0.7pp QoQ |
+1.3pp | 4.1% | 4.1% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.4%
+0.6pp YoY +2.4pp QoQ |
+3.6pp | 18.8% | 25.5% | 19.7% | 84% |
| Leverage Ratio |
11.3%
+0.5pp YoY +0.4pp QoQ |
-0.9pp | 12.2% | 11.6% | 12.6% | 55% |
| Total Capital Ratio |
23.6%
+0.6pp YoY +2.6pp QoQ |
+3.7pp | 19.9% | 26.6% | 20.8% | 84% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
59
+3 (+5.4%) YoY +1 (+1.7%) QoQ |
+0 | 58 | 57 | 482 | 62% |
| Assets per Employee ($) |
$6.8M
-0.2% YoY -2.3% QoQ |
-$742K | $7.5M | $8.7M | $8.8M | 48% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 4 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 38% |
| Nonaccrual |
0.7%
+0.4pp YoY +0.4pp QoQ |
-0.3pp | 0.9% | 0.6% | 1.0% | 60% |
| Allowance Coverage |
1.83x
-61.9% YoY -63.0% QoQ |
-22.32x | 24.15x | 18.30x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.7%
+0.5pp YoY +1.4pp QoQ |
-3.5pp | 12.2% | 9.7% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 37% |
| Net Income ($, YTD) |
$1.9M
+17.8% YoY — QoQ |
-$665K | $2.6M | $3.2M | $40.4M | 50% |
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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.