Little Horn State Bank
Hardin, Montana · FDIC Cert #11821
Little Horn State Bank is an FDIC-insured bank (Certificate #11821) with $271M in total assets and $228M in total deposits as of the Q2 2024 Call Report. Headquartered in Hardin, Montana, the bank maintains a Tier 1 capital ratio of 10.79% (Well-Capitalized) and a nonperforming loan ratio of 0.25%. BankHealthData assigns a composite Health Grade of C (60/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Little Horn State Bank (FDIC cert 11821) is a community bank — $271M in total assets, $228M in deposits, serving the Hardin, Montana area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.79% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.25% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 1.4% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.51% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Little Horn State Bank carries a composite BankHealth grade of C (60/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Little Horn State Bank
- Total Assets
- $271M
- Total Deposits
- $228M
- Tier 1 Capital Ratio
- 10.79%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.25%
- Liquidity Ratio
- 1.44%
- Return on Assets
- 1.51%
- Headquarters
- Hardin, Montana
- FDIC Certificate
- #11821
- Health Grade
- C (60/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Little Horn State Bank holds a Tier 1 capital ratio of 10.79%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Little Horn State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Little Horn State Bank shows average financial health. While not alarming, its Health Score of 60/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Little Horn State Bank Compares
Little Horn State Bank’s Health Score of 60 is 9 points below the Montana state average of 69 across 33 FDIC-insured banks. Its 10.79% Tier 1 capital ratio is 3.2 points below the US banking industry average near 14%. The 0.25% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.51% is in line with or above the national ROA benchmark of ~1.1%. Among 1587 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Little Horn State Bank is 10 points below the portfolio average of 70.
Frequently Asked Questions
Little Horn State Bank has a Bank Health Score of C (60/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.79%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Little Horn State Bank's Tier 1 capital ratio of 10.79% and nonperforming loan ratio of 0.25% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Little Horn State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11821). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Little Horn State Bank holds $271M in total assets and $228M in total deposits. It is headquartered in Hardin, Montana (FDIC Certificate #11821).
Little Horn State Bank has a Tier 1 capital ratio of 10.79%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.25%, and the return on assets is 1.51%.
Yes. Little Horn State Bank is FDIC-insured (Certificate #11821). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Little Horn State Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.