BlastPoint's Banking Scorecard
Little Horn State Bank
Micro
Specialty: Commercial
MT
FDIC cert 11821
Designations: ✓ Community bank
Hardin, MT
2498
banks in Micro tier nationally
24 in MT
View Micro leaderboard (MT) →
Little Horn State Bank shows strong momentum with 2 strengths and 23.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.71% below tier
- + Loan-to-Deposit Ratio 25.28% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$395.5M
+23.9% YoY
+4.3% QoQ
|
+$178.1M |
$217.5M
+2.3% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$332.4M
+25.0% YoY
+5.6% QoQ
|
+$193.2M |
$139.2M
+2.8% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$333.0M
+22.7% YoY
+4.7% QoQ
|
+$149.4M |
$183.7M
+1.8% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
0.73%
-33.7% YoY
+42.7% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
4.24%
-3.2% YoY
+1.3% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
45.02%
-17.4% YoY
-3.2% QoQ
|
-22.71% |
67.73%
-4.8% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.77%
+659.9% YoY
|
+0.13% |
0.64%
+24.4% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
99.80%
+1.9% YoY
+0.9% QoQ
|
+25.28% |
74.53%
+0.5% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.84%
+9.8% YoY
+15.2% QoQ
|
-9.55% |
22.39%
-1.3% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.65%
+666.5% YoY
|
+0.19% |
0.45%
+25.1% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
11.25%
+6.7% YoY
+0.0% QoQ
|
+2.40% |
8.85%
-3.4% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.30%
+0.7% YoY
+23.6% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.02%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.80%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Loans
Current: $332.4M · Tier avg: $139.2M
95
95th pctile
Efficiency Ratio
Current: 45.02% · Tier avg: 67.73%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.80% · Tier avg: 74.53%
88
88th pctile
Total Assets
Current: $395.5M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $333.0M · Tier avg: $183.7M
70
70th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.25% · Tier avg: 8.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.84% · Tier avg: 22.39%
Top Weaknesses
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.84% · Tier avg: 22.39%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.65% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.25% · Tier avg: 8.85%
70
70th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
87
87th pctile
Total Deposits
Current: $333.0M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $395.5M · Tier avg: $217.5M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.80% · Tier avg: 74.53%
95
95th pctile
Efficiency Ratio
Current: 45.02% · Tier avg: 67.73%
96
96th pctile
Total Loans
Current: $332.4M · Tier avg: $139.2M