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
Unfavorable gap of $14.5M · efficiency ratio beats 98% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.36% | 0.93% | 1.23% | 1.54% | Beats 95% | 12 / 258 | | |
| Return on Equity | 18.66% | 9.26% | 11.84% | 14.74% | Beats 92% | 20 / 258 | | |
| Net Interest Margin | 4.13% | 3.16% | 3.49% | 3.88% | Beats 86% | 36 / 258 | | |
| Efficiency Ratio | 31.22% | 51.71% | 60.30% | 69.65% | Beats 98% | 5 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.46% | 0.90% | Beats 97% | 9 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 91% | 26 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.33% | 11.41% | 12.98% | 15.12% | Beats 38% | 160 / 258 | | |
| Total Risk-Based Capital Ratio | 12.33% | 12.10% | 13.91% | 16.08% | Beats 29% | 182 / 258 | | |
| Equity / Assets | 12.67% | 9.09% | 10.24% | 11.72% | Beats 84% | 40 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 66.97% | 73.24% | 86.34% | 95.95% | 15th pctl | 219 / 258 | | |
| Loans / Assets | 56.09% | 63.01% | 72.27% | 78.40% | 12th pctl | 227 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |