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Little Horn State Bank

IDRSSD: 537551
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q2QoQ +8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #537551 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

Liquidity:Watch
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.87% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.26% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +8 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +41

The five pillars

Liquidity

WatchQoQ -1
51
Sub-score

Liquidity is deteriorating: brokered 26.6%, loans/deposits 97.3%, cash 2.3% of assets.

Cash / Assets
2.26%
Loans / Deposits
97.28%
Brokered %
26.60%

Watch Items

  • infoCash / Assets below 3% — Cash 2.26% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +5
73
Sub-score

Capital position is stable: Tier 1 RBC 11.37%, CET1 11.37%, leverage 10.62%.

Tier 1 RBC
11.37%
CET1
11.37%
Leverage
10.62%
No watch items at this period.

Asset Quality

StableQoQ +2
78
Sub-score

Asset quality is stable: Adjusted NPL 0.54%, Texas Ratio 3.9%, NCO YTD 2.87%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
2.87%
30-89 PD
1.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.87% of loans.

Reserves

StrongQoQ +41
95
Sub-score

Reserves are strong: ALLL 1.34% of loans, coverage 251.5%, true coverage 251.5%.

ALLL / Loans
1.34%
Coverage
251.5%
True Loss Coverage
251.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 11:20:06 UTC