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Overview / Commentary
307-765-4412
33 North 6th Street
Greybull, WY 82426

Big Horn Federal Savings Bank is headquartered in Greybull and is the 12st largest bank in the state of Wyoming. It is also the 2,834th largest bank in the nation. It was established in 1935 and as of March of 2014, it had grown to 53 employees at 6 locations. Big Horn Federal Savings Bank has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Big Horn Federal Savings Bank had $570,000 in non-current loans and owned real-estate with $22.23 million in equity and loan loss allowances on hand to cover it. This gives Big Horn Federal Savings Bank a Texas Ratio of 2.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Big Horn Federal Savings Bank decreased dramatically from 5.48% as of March 31, 2013 to 2.56% as of March 31, 2014, resulting in a positive change of 53.18%.This indicates that the balance sheet and financial strength for Big Horn Federal Savings Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Big Horn Federal Savings Bank has decreased its total deposits by -$10.37 million, resulting in -5.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Big Horn Federal Savings Bank has shown is below average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Big Horn Federal Savings Bank has $220.04 million in assets with $22.23 million in equity, resulting in a capitalization level of 10.10%, which is above average.

Institution Statistics

Overall
FDIC Certificate #29637
Year Established1935
Employees53
Primary RegulatorOCC
Assets and Liabilities
Assets$220.05 million
Loans$96.90 million
Deposits$192.34 million
Equity Capital$20.89 million
Loan Loss Allowance$1.34 million
Unbacked Noncurrent Loans$570,000
Real Estate Owned$0
Historic Data - March 2013
Assets$231.07 million
Equity Capital$19.92 million
Loan Loss Allowance$1.06 million
Unbacked Noncurrent Loans$570,000
Real Estate Owned$145,000
Profit Margin - Quarterly
Return on Assets0.28%
Return on Equity2.94%
Interest Income$1.75 million
Rates

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Big Horn Federal Savings Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%--Education IRA Passbook
0.35%--IRA Passbook
0.35%--Roth Passbook
0.35%--Christmas Club RAMSave
0.35%--RAM Educational Passbook
0.25%$100k-Health RAMSave
0.20%--RAM Save Crayons to College Passbook
0.20%--RAMSave Passbook
0.13%--RAM Transaction Passbook - ATM/ACH

Big Horn Federal Savings Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Pick A Rate Money Market
0.25%$100k-RAM Money Market

Big Horn Federal Savings Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Repurchase Agreement Checking
0.10%$2k-Interest RAMCheck
0.10%$1k-Premium RAMCheck

Big Horn Federal Savings Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.38%$500-8 Year CD
1.25%$500-6 Year CD
1.00%$500-5 Year CD
0.95%$500-4 Year CD
0.75%$500-3 Year CD
0.63%$500-2 Year CD
0.50%$1k-18 Month CD
0.38%$500-1 Year CD
0.25%$1k-6 Month CD
0.15%$2,500-91 Day CD
0.02%$2,500-31 - 90 Day CD
0.01%$2,500-1 - 7 Day CD
0.01%$2,500-8 - 30 Day CD

Big Horn Federal Savings Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-5 Year IRA
1.00%$500-5 Year Keogh IRA
0.50%$1k-18 Month IRA
0.50%$1k-18 Month Keogh
Locations


Big Horn Federal Savings Bank Locations
Big Horn Avenue1006 Big Horn AvenueWorland, WY 82401
151 E First St Branch151 E First StPowell, WY 82435
1701 Stampede Avenue Branch1701 Stampede AvenueCody, WY 82414
Big Horn Federal Savings Bank33 North 6th StreetGreybull, WY 82426
643 Broadway Branch643 BroadwayThermopolis, WY 82443
East Main Branch8 East Main StreetLovell, WY 82431