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
Unfavorable gap of $14.5M · efficiency ratio beats 99% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.36% | 0.93% | 1.23% | 1.54% | Beats 96% | 11 / 269 | |
| Return on Equity | 18.66% | 9.13% | 11.77% | 14.52% | Beats 93% | 18 / 269 | |
| Net Interest Margin | 4.13% | 3.16% | 3.50% | 3.88% | Beats 87% | 36 / 269 | |
| Efficiency Ratio | 31.22% | 51.70% | 60.21% | 69.66% | Beats 99% | 4 / 268 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.45% | 0.89% | Beats 97% | 8 / 269 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 91% | 27 / 269 | |
| Capital |
| Tier 1 Capital Ratio | 12.33% | 11.29% | 13.10% | 15.21% | Beats 39% | 164 / 269 | |
| Total Risk-Based Capital Ratio | 12.33% | 12.04% | 13.91% | 16.33% | Beats 30% | 187 / 269 | |
| Equity / Assets | 12.67% | 9.18% | 10.29% | 11.76% | Beats 83% | 47 / 269 | |
| Liquidity & Funding |
| Loans / Deposits | 66.97% | 72.68% | 86.29% | 95.72% | 15th pctl | 229 / 269 | |
| Loans / Assets | 56.09% | 62.46% | 72.27% | 78.37% | 13th pctl | 235 / 269 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |