PackageTrendsPeer
Letter portraitLegal landscape

Yellowstone Bank, The

Laurel, MT · Cert 1978 · Yellowstone Holding Co.

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

51

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

92

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Yellowstone Bank, The

Laurel, MT · Cert 1978 · Yellowstone Holding Co.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.3BAssets
$751.2MLoans
$1.1BDeposits
$169.7MEquity
Loan mix
89%RE $617.6M10%C&I $70.6M1%Consumer $9.2MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $831.6M26%Noninterest $290.1MQ2 2025Q2 2026

NIM

5.22%Q2 ’245.73%Q2 ’255.70%Q2 ’26+31%+1%

Non-interest income vs. expense

1.25%Q2 ’241.43%Q2 ’251.37%Q2 ’26+11%-5%

Market Position · Billings, MT · 2026 SOD (annual) · 11.1% share · #6 of 13 inst. · $0.9B of $8.0B

9.1% Yellowstone
73.5% Stillwater
16.2% Richland
1.4% Gallatin

Executive Summary

  • Earnings: ROA of 2.35%, up 6 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.01% of loans (+1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.33%, down 74 bps from a year ago.
  • Funding: loans stand at 66.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.35%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+2 bps YoY

Efficiency Ratio (YTD, annualized)

31.22%-155 bps YoY

Tier 1 Leverage Ratio

12.33%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.29%2.34%2.25%2.35%2.35%+6 bps
Return on Equity16.79%17.14%16.52%17.98%18.15%+137 bps
Net Interest Margin4.11%4.12%3.97%4.07%4.13%+2 bps
Efficiency Ratio32.76%32.00%35.97%30.33%31.22%-155 bps
Non-Interest Burden1.15%1.04%1.15%1.03%1.09%-6 bps
Growth
Asset Growth (YoY)-7.54%-3.50%7.88%6.04%5.04%+1,258 bps
Loan Growth (YoY)3.39%5.70%4.48%7.34%6.40%+301 bps
Deposit Growth (YoY)8.67%7.98%8.71%7.01%5.86%-282 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.14%0.45%0.32%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans0.45%0.58%0.57%0.57%0.56%+11 bps
Allowance Coverage of NPLs138.9x4.1x1.3x1.8x42.7x-96.2x
Capital
Tier 1 Leverage Ratio13.07%13.32%13.28%12.16%12.33%-74 bps
Total Risk-Based Capital13.07%13.32%13.28%12.16%12.33%-74 bps
Equity / Assets13.37%13.55%13.61%12.51%12.67%-70 bps
Liquidity & Funding
Loans / Deposits66.63%66.47%65.37%65.47%66.97%+34 bps
Liquid Assets / Assets40.16%40.25%39.76%37.91%34.43%-573 bps
CRE / Total Capitaln/a258%252%284%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Yellowstone Bank, The

Laurel, MT · Cert 1978 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Yellowstone Holding Co.

State charter, Fed member · FED · 10 branches

Q2 2026

$1.3BAssets
$751.2MLoans
$1.1BDeposits
$169.7MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 4 of 268).
  • Widest gap: total risk-based capital ratio trails 70% of banks $1B-$10B in assets operating in a single state (rank 187 of 269).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.36%

Rank 11 of 269

Net Interest Margin

4.13%

Rank 36 of 269

Efficiency Ratio

31.22%

Rank 4 of 268

Equity / Assets

12.67%

Rank 47 of 269

Non-interest income vs. expense

$3.8M$18.3MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 99% of banks $1B-$10B in assets operating in a single state
Bank 31.22%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.36%0.93%1.23%1.54%Beats 96%11 / 269
Return on Equity18.66%9.13%11.77%14.52%Beats 93%18 / 269
Net Interest Margin4.13%3.16%3.50%3.88%Beats 87%36 / 269
Efficiency Ratio31.22%51.70%60.21%69.66%Beats 99%4 / 268
Asset Quality
Nonperforming Loans / Loans0.01%0.19%0.45%0.89%Beats 97%8 / 269
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 91%27 / 269
Capital
Tier 1 Capital Ratio12.33%11.29%13.10%15.21%Beats 39%164 / 269
Total Risk-Based Capital Ratio12.33%12.04%13.91%16.33%Beats 30%187 / 269
Equity / Assets12.67%9.18%10.29%11.76%Beats 83%47 / 269
Liquidity & Funding
Loans / Deposits66.97%72.68%86.29%95.72%15th pctl229 / 269
Loans / Assets56.09%62.46%72.27%78.37%13th pctl235 / 269
Brokered Deposits / Depositsn/aNot reported for this institution