Little Horn State Bank (FDIC certificate #11821) is based in Hardin, Montana. Its Q2 2026 call report shows $412.6M in total assets and $347.5M in deposits and 3 offices across 2 states.
Little Horn State Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 32nd. Problem-loan coverage contributes the most (83/100, 8.6%); funding & liquidity contributes the least (33/100, 101% loans-to-deposits, 39% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 67 |
| Q1 2025 | 41 |
| Q2 2025 | 59 |
| Q3 2025 | 64 |
| Q4 2025 | 58 |
| Q1 2026 | 63 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.23% |
| Q3 2024 | 10.16% |
| Q4 2024 | 9.75% |
| Q1 2025 | 10.22% |
| Q2 2025 | 10.62% |
| Q3 2025 | 10.31% |
| Q4 2025 | 10.16% |
| Q1 2026 | 10.40% |
| Q2 2026 | 10.34% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.10% |
| Q1 2025 | 2.41% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.09% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.73% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $412.6M | 10.34% | 1.15% | 1.31% | 100.8% |
| Q1 2026 | 63 | $405.8M | 10.40% | 0.96% | 1.46% | 97.4% |
| Q4 2025 | 58 | $395.5M | 10.16% | 0.76% | 0.73% | 99.8% |
| Q3 2025 | 64 | $379.4M | 10.31% | 0.05% | 0.51% | 98.9% |
| Q2 2025 | 59 | $370.9M | 10.62% | 0.53% | 0.42% | 97.3% |
| Q1 2025 | 41 | $349.9M | 10.22% | 2.41% | 0.45% | 93.7% |
| Q4 2024 | 67 | $319.2M | 9.75% | 0.10% | 1.09% | 98.0% |
| Q3 2024 | 67 | $292.5M | 10.16% | 0.29% | 1.10% | 101.1% |
| Q2 2024 | 67 | $271.4M | 10.23% | 0.25% | 1.08% | 100.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Three Rivers Bank of MontanaBank Kalispell, MT | 71 out of 100, Strong | $293.1M | 11.7% | 0.93% | vs |
| Manhattan BankBank Manhattan, MT | 75 out of 100, Strong | $287.1M | 9.9% | 0.35% | vs |
| Bank of The RockiesBank Helena, MT | 68 out of 100, Moderate | $277.4M | 9.4% | 1.06% | vs |
| Madison Valley BankBank Ennis, MT | 63 out of 100, Moderate | $263.7M | 9.2% | 1.27% | vs |
Deposit insurance
Is my money safe at Little Horn State Bank?
Yes. Little Horn State Bank is an FDIC-insured institution (FDIC certificate #11821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 38.9% of deposits ($135.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.59% (benchmark: 10%).
3 locations
Branches
Little Horn State Bank lists 3 offices in 3 cities across 2 states. Most locations:
- Billings, MT (1)
- Hardin, MT (1)
- Sheridan, WY (1)
HMDA 2025
Mortgage lending
In 2025, Little Horn State Bank reported 101 home-loan applications under HMDA (LEI 254900XA5WVWGS9RET72): 90 originated ($33,530,000 total), 4 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Little Horn State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11821
- RSSD ID
- 537551
- Primary regulator
- FDIC
- Holding company
- Bitterroot Holding Co
- Established
- January 1, 1919
- Headquarters
- 835 N Center Ave, Hardin, MT 59034
- Website
- www.littlehornstatebank.com
- Employees
- 40
Quick answers
Little Horn State Bank: common questions
Is Little Horn State Bank FDIC insured?
Yes. Little Horn State Bank is an FDIC-insured institution (FDIC certificate #11821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Little Horn State Bank's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Little Horn State Bank ever failed?
There is no failure record for FDIC certificate #11821 in the FDIC failed bank list.
How many branches does Little Horn State Bank have?
3 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Hardin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |