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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=257 to 258). 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

50

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

13

Q2 2024Q2 2026peer median

Efficiency

98

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 $9.2MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $831.6M26%Noninterest $290.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.70%1.79%2.25%2.29%2.34%2.25%2.35%2.35%+6 bps
Return on Equity14.17%14.41%16.32%16.79%17.14%16.52%17.98%18.15%+137 bps
Net Interest Margin3.29%3.57%3.99%4.11%4.12%3.97%4.07%4.13%+2 bps
Efficiency Ratio37.49%37.65%32.52%32.76%32.00%35.97%30.33%31.22%-155 bps
Non-Interest Burden1.09%1.18%1.09%1.15%1.04%1.15%1.03%1.09%-6 bps
Growth
Asset Growth (YoY)17.14%-8.83%-9.59%-7.54%-3.50%7.88%6.04%5.04%+1,258 bps
Loan Growth (YoY)2.67%5.51%2.06%3.39%5.70%4.48%7.34%6.40%+301 bps
Deposit Growth (YoY)5.16%6.38%7.42%8.67%7.98%8.71%7.01%5.86%-282 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.14%0.29%0.00%0.14%0.45%0.32%0.01%+1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans0.47%0.45%0.46%0.45%0.58%0.57%0.57%0.56%+11 bps
Allowance Coverage of NPLs2.9x3.3x1.6x138.9x4.1x1.3x1.8x42.7x-96.2x
Capital
Tier 1 Leverage Ratio12.24%13.49%12.88%13.07%13.32%13.28%12.16%12.33%-74 bps
Total Risk-Based Capital12.24%13.49%12.88%13.07%13.32%13.28%12.16%12.33%-74 bps
Equity / Assets12.75%14.35%13.23%13.37%13.55%13.61%12.51%12.67%-70 bps
Liquidity & Funding
Loans / Deposits67.91%68.02%65.27%66.63%66.47%65.37%65.47%66.97%+34 bps
Liquid Assets / Assets37.34%39.32%40.83%40.16%40.25%39.76%37.91%34.43%-573 bps
CRE / Total Capitaln/an/an/an/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=257-258) · 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 98% of banks $1B-$10B in assets operating in a single state (rank 5 of 257).
  • Widest gap: total risk-based capital ratio trails 71% of banks $1B-$10B in assets operating in a single state (rank 182 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.36%

Rank 12 of 258

Net Interest Margin

4.13%

Rank 36 of 258

Efficiency Ratio

31.22%

Rank 5 of 257

Equity / Assets

12.67%

Rank 40 of 258

Non-interest income vs. expense

$3.8M$18.3MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 98% of banks $1B-$10B in assets operating in a single state
Bank 31.22%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.36%0.93%1.23%1.54%Beats 95%12 / 258
Return on Equity18.66%9.26%11.84%14.74%Beats 92%20 / 258
Net Interest Margin4.13%3.16%3.49%3.88%Beats 86%36 / 258
Efficiency Ratio31.22%51.71%60.30%69.65%Beats 98%5 / 257
Asset Quality
Nonperforming Loans / Loans0.01%0.19%0.46%0.90%Beats 97%9 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 91%26 / 258
Capital
Tier 1 Capital Ratio12.33%11.41%12.98%15.12%Beats 38%160 / 258
Total Risk-Based Capital Ratio12.33%12.10%13.91%16.08%Beats 29%182 / 258
Equity / Assets12.67%9.09%10.24%11.72%Beats 84%40 / 258
Liquidity & Funding
Loans / Deposits66.97%73.24%86.34%95.95%15th pctl219 / 258
Loans / Assets56.09%63.01%72.27%78.40%12th pctl227 / 258
Brokered Deposits / Depositsn/aNot reported for this institution