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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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.
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.
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.
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.
|FDIC Certificate #||29637|
|Assets and Liabilities|
|Equity Capital||$20.89 million|
|Loan Loss Allowance||$1.34 million|
|Unbacked Noncurrent Loans||$570,000|
|Real Estate Owned||$0|
|Historic Data - March 2013|
|Equity Capital||$19.92 million|
|Loan Loss Allowance||$1.06 million|
|Unbacked Noncurrent Loans||$570,000|
|Real Estate Owned||$145,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.14%|
|Return on Assets||0.28%|
|Return on Equity||2.94%|
|Interest Income||$1.75 million|
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|0.35%||-||-||Education IRA Passbook|
|0.35%||-||-||Christmas Club RAMSave|
|0.35%||-||-||RAM Educational Passbook|
|0.20%||-||-||RAM Save Crayons to College Passbook|
|0.13%||-||-||RAM Transaction Passbook - ATM/ACH|
|0.25%||$100k||-||Pick A Rate Money Market|
|0.25%||$100k||-||RAM Money Market|
|0.25%||-||-||Repurchase Agreement Checking|
|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|
|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|
|Big Horn Federal Savings Bank Locations|
|Big Horn Avenue||1006 Big Horn Avenue||Worland, WY 82401|
|151 E First St Branch||151 E First St||Powell, WY 82435|
|1701 Stampede Avenue Branch||1701 Stampede Avenue||Cody, WY 82414|
|Big Horn Federal Savings Bank||33 North 6th Street||Greybull, WY 82426|
|643 Broadway Branch||643 Broadway||Thermopolis, WY 82443|
|East Main Branch||8 East Main Street||Lovell, WY 82431|