# LITTLE HORN STATE BANK
HARDIN, MT · FDIC certificate 11821 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $412.6M | |
| Deposits | $347.5M | |
| Loans and leases | $355.3M | |
| Total equity | $42.0M | |
| Loans / deposits | 100.78% (p90 of band) | 82.04% |
| Liquid assets / assets | 11.17% (p7 of band) | |
| Uninsured deposits / deposits | 38.90% (p86 of band) | 25.97% |
| Brokered deposits | 18.76% | |
| Wholesale funding | 23.60% (p95 of band) | |
| FHLB advances / assets | 4.85% | |
| Tier 1 leverage | 10.34% (p42 of band) | 10.81% |
| Unrealized securities loss / equity | -0.04% (p96 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.31% (p52 of band) | 1.28% |
| Net interest margin | 4.24% (p70 of band) | 3.91% |
| Efficiency ratio | 44.00% (p9 of band) | |
| Noncurrent loans | 1.15% (p76 of band) | 0.43% |
| Net charge-offs (annualized) | 0.45% (p96 of band) | |
| Reserve coverage of noncurrent | 125.34% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 96.13% (p85 of band) | |
| Auto loans | $1.8M (0.50% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.7% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, charge-offs p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 0 |  | losing money, charge-offs p90 |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 3 | losing money, expense ratio p90, uninsured deposits leaving | capital falling |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 | deposits shrinking | losing money, expense ratio p90 |
| 2013-03 | 2 | losing money, expense ratio p90 | deposits shrinking |
| 2013-06 | 1 |  | losing money |
| 2013-09 | 2 | losing money |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 0 |  | expense ratio p90, losing money, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | uninsured deposits leaving | capital falling |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 4 | liquid assets <10% |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, liquid assets <10% |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 0 |  | capital falling, reserve under noncurrent |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | liquid assets <10% | reserve under noncurrent |
| 2020-12 | 2 | noncurrent p90, reserve under noncurrent | liquid assets <10% |
| 2021-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | liquid assets <10%, uninsured deposits leaving |  |
| 2022-09 | 1 | charge-offs p90 | liquid assets <10%, uninsured deposits leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | capital falling | charge-offs p90 |
| 2023-06 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | brokered >10%, uninsured deposits leaving | capital falling |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | loans exceed deposits |
| 2025-03 | 5 | noncurrent p90, reserve under noncurrent, construction >100% equity | capital falling |
| 2025-06 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent, construction >100% equity |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | capital falling, construction >100% equity |  |
| 2026-03 | 3 |  | capital falling, construction >100% equity |
| 2026-06 | 4 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-11 [Chamber Welcomes Little Horn State Bank - Sheridan Media](https://news.google.com/rss/articles/CBMihAFBVV95cUxOQWtkc0NBNEFiN0tvTEgtbmNQZEFUNEtfYjNNLUp3X2RmWTU2YlVjU09SS3pYUmVUcVVvN01DOTN0Yk1kQ185YXFGSllNNFRzU1BIUkRiZk1aXzhGUTlHQW02cmdWTXIyYklNX2ZaYWdEYW1mNUVsTHJQazZ1QVlScDZhUXg?oc=5) · Sheridan Media
- 2009-11-12 [Jerome Garsjo Sentenced in U.S. District Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE9xNkdwVWNQdkNqcWN4MmZDbEdSZDRLdXZzUHJ0SWhDeG1neFQzWm4tSWs1dFAxd3RXS3Z4SjFENHZXX2tja0xOY292bFZlX1AwMm5MVV9yWF8zX0prcWVkM19iVWxnNXM5UEMxZTNUZDZCZ0FXRlhHaGl1UUhKZw?oc=5) · Department of Justice (.gov)
- 2015-10-06 [Scottie Ramsey Obituary (2015) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQdGk1d3ZwVVVGbmtjeGxLcVBOOWhhdVZNcndkRERZcFpFOGt2RkZUanY3c2M1czl4dzJOZzhQTzJRSnUtODlRYllVdVVMd0tadlQzalF2OEpZX2VycFRsek44UldEaDZTakZ3azdyT3Atb1lTdkd0RVRheDFkQzJzNXU4SS1HeGZyd3RUd3UxMWJ3R0I5TGN2Zg?oc=5) · legacy.com
- 2012-03-12 [Tamara Pummell Obituary Mar 12, 2012 - Ashley Valley Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE5LZEszd3hCMHhNcmVEekJISTg0MnhURGlIUDZ2UDBQQ2hNbWgxSVYyZFlBdHp3bHdFSFY2RmF3UnplUVRzR3MzVDEwUnlWRUhNa1lnU2VwMG9naDdfY2xrN2lyYl9jNWlodVFtRXM1dFNya2c?oc=5) · Ashley Valley Funeral Home
- 2010-08-13 [Rodolfo Gutierrez, Jr. Sentenced in U.S. District Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE5IbzZnb1h0RE5LN1N1XzVZWkt6VGlFU0VVZ0FDRjBhYXlWbU55QXVBeGVnd21WLTNIRjJYeTM4WHQyV2NwY3oxVDVWMEdYYm1reXVTdUZReW93UHpITG5TTzBpQmdPMzVxcWY0YTNNbVEwUVltM2V6RHlsWGxGdw?oc=5) · Department of Justice (.gov)
- 2020-10-27 [Bryan Steinmetz Obituary (2020) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQc2R1NV9Tbzd4a2FzODZsblI5Q3ZCeGpaaGxsazByNHBETjB6NmY5ZUZBTEdmMUJjSGdZYWo1d0RPMWRWc2JHWlV3aDBIM2h3Y0xJS0w2bWV5WWU5ZHdaLVNGT3RzSFhSZFFvZ3VRT2xmOU5abzZGM0M0VkZyd3RWcVpMNFozdGlpeWphUW5DNll2RVJqal9lRHNR?oc=5) · legacy.com
- 2026-04-08 [Shirley Renee Margheim Obituary (2026) - Hardin, MT - Bullis Mortuary - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOcjFmRWVCbXhWdDlGem9ZVTZGd3YzQ2ZrbVN3VmlLU3lXZ0RVNUh3eS1ZbEZwczJYMVcwMWV0N09rTlAzU0VFQUdUdWhRdXQyMEpsOFRXSzlnN2Y4WUEyV0g1VjJnLUswUHpKMGpfc0RnZmdDbXJfMF9OandlU3Z3QlRuYUJSZw?oc=5) · legacy.com
- 2024-07-09 [Delores Wagner Obituary (1934 - 2024) - Billings, MT - Billings Gazette - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNYVdaTHhSRjZ5UXB5YlFUVU85VzJad3VFMGQ3bXJtcVpmZWV6MzJBRkFuQ3c1TWlaVl9zSVhCRU9tc0pGaFMwQzByU0dDX0lDbnBzLVU3UmJjTndkMlBodnhYcTAtYVdFWDVVejd4R0wwOFQ2anV5V3piaGFxQjFiZzc3bHFnOTNRbXUtVWxjeFFHZE9ENW16RA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11821 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "11821", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide