| Metric | Little Horn State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +4.4% | +6.9 pts |
| Deposit growth (YoY) | +11.7% | +4.0% | +7.8 pts |
| Loan growth (YoY) | +15.8% | +5.6% | +10.2 pts |
| ROA | 1.31% | 1.24% | +0.1 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $412.6M | $347.5M | $350.2M | $42.0M | $2.7M | 1.31% | 4.24% | 0.99% |
| Q1 2026 | $405.8M | $341.3M | $332.5M | $40.9M | $1.5M | 1.46% | 4.19% | 0.80% |
| Q4 2025 | $395.5M | $333.0M | $332.4M | $39.4M | $2.6M | 0.73% | 4.24% | 0.65% |
| Q3 2025 | $379.4M | $318.1M | $314.7M | $38.1M | $1.4M | 0.51% | 4.19% | 0.04% |
| Q2 2025 | $370.9M | $311.0M | $302.5M | $37.5M | $730K | 0.42% | 4.06% | 0.44% |
| Q1 2025 | $349.9M | $298.8M | $279.9M | $33.1M | $379K | 0.45% | 3.94% | 1.96% |
| Q4 2024 | $319.2M | $271.4M | $265.9M | $29.7M | $3.0M | 1.09% | 4.38% | 0.08% |
| Q3 2024 | $292.5M | $244.7M | $247.3M | $28.9M | $2.1M | 1.10% | 4.45% | 0.25% |
Loan mix (Q2 2026): real estate $290.2M · commercial $25.2M · consumer $2.7M · securities $15K
| Ratio | Little Horn State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
66th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.0% | 62.9% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Little Horn State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Little Horn State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Little Horn State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Little Horn State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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