FDIC Cert #29637 · Greybull, Wyoming · Est. 1935

Big Horn Federal Savings Bank - FDIC Bank Health Profile

A community-scale look at Big Horn Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$392M
Total assets
A
Health grade · Excellent
0.98%
Return on assets
19.9%
Tier 1 capital

Data updated July 2026

The verdict

Big Horn Federal Savings Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 19.88% Tier 1, 0.98% ROA, 65% efficiency ratio.

#2,110
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
19.88%
Tier 1 ratio - above the 10% well-capitalized line
41st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 29637 · WY A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1777/4307
  • PHOTO-FINISH Second Federal Savin… · PA
  • TIER1-WELL 19.9% Tier 1
  • TEXAS-CLEAN 0.9% Texas
  • ROA-PAR 0.98% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: Second Federal Savings and Loan Association of Philadelphia, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Big Horn Federal Savings Bank

Lowest and highest poles plus nearest scored peers outside Wyoming, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Big Horn Federal Sav… · WY ·…82/100First Federal Saving… · OH ·…82/100Great Midwest Bank,… · WI · …82/100Peru Federal Savings… · IL ·…82/100Second Federal Savin… · PA ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Big Horn Federal Savings Bank · July 2026

Plate reading for Big Horn Federal Savings Bank where failures stay rare

Big Horn Federal Savings Bank (FDIC Cert #29637) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,777 of 4,307. Tier 1 capital prints at 19.88%, clearing the 10% well-capitalized line. The Texas Ratio is 0.95%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.98%. Balance-sheet scale is $392M, 2,110th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Second Federal Savings and Loan Association of Philadelphia (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Big Horn Federal Savings Bank

Only 1 FAILURE resolution in Wyoming since 2000

Big Horn Federal Savings Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF WYOMING THERMOPOLIS, WY 2009 → CENTRAL BANK & TRUST
  • WESTLAND FS & LA RAWLINS, WY 1991 → RAWLINS NB
  • SWEETWATER FS & LA ROCK SPRINGS, WY 1990 → FIRST SECURITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wyoming banks.

How Big Horn Federal Savings Bank's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
Big Horn Federal Savings Bank's composite health score
Tier 1 Capital Ratio (19.88%) 40/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (0.95%) 20/20
Efficiency Ratio (64.54%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$392M

Total balance-sheet footings

Total Deposits

$325M

Customer-funded liabilities

Net Loans

$173M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.48% 19.88% 21.28%
Basel III capital ratios - Big Horn Federal Savings Bank

Where Big Horn Federal Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Big Horn Federal Savings Bank's score of 82/100 falls in the highlighted band.

Big Horn Federal Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 41% higher than 59% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Big Horn Federal Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Big Horn Federal Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Big Horn Federal Savings Bank's $392M falls in the highlighted band.

Safety metrics: Big Horn Federal Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

19.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
19.88%
Texas Ratio
0.95%
Equity Capital
$43M

What these ratios mean →

Profitability metrics: Big Horn Federal Savings Bank

Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
9.23%
Efficiency Ratio
64.54%

What these mean →

Income & expense at Big Horn Federal Savings Bank

$16M
Interest Income
$3M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Big Horn Federal Savings Bank reports a Texas Ratio of 0.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Big Horn Federal Savings Bank on FDIC BankFind →

Top banks in Wyoming by total assets

Largest banks headquartered in Wyoming
  1. 1
    Pinnacle Bank - Wyoming $1.3B

    Cody, WY · Grade A

  2. 2
    Hilltop National Bank $1.2B

    Casper, WY · Grade A

  3. 3
    The Converse County Bank $1.1B

    Douglas, WY · Grade A

  4. 4
    First Northern Bank of Wyoming $894M

    Buffalo, WY · Grade B

  5. 5
    Platte Valley Bank $783M

    Torrington, WY · Grade B

Top 5 banks in Wyoming ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($392M here), outside Wyoming so the neighborhood is not state containment.

First Secure Bank and Trust Co. $392M · IL The Exchange Bank of Alabama $392M · AL First National Bank of Pana $392M · IL Sandhills State Bank $393M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Big Horn Federal Savings Bank (FDIC Cert #29637) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Big Horn Federal Savings Bank Call Report profile · FDIC Failed Bank List · Wyoming FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wyoming

All Wyoming banks →
BankAssetsGradeROA
Pinnacle Bank - WyomingCody $1.3B A 1.28%
Hilltop National BankCasper $1.2B A 1.72%
The Converse County BankDouglas $1.1B A 1.14%
First Northern Bank of WyomingBuffalo $894M B 1.13%
Platte Valley BankTorrington $783M B 1.46%
First National Bank of GilletteGillette $626M A 1.35%
First Federal Bank & TrustSheridan $611M C 0.43%
Jonah Bank of WyomingCasper $558M B 1.92%