Laurel, MT · Cert 1978 · Yellowstone Holding Co.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Billings, MT · 2026 SOD (annual) · 11.1% share · #6 of 13 inst. · $0.9B of $8.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.34% | 2.44% | 1.99% | 2.35% | 2.35% | +2 bps | |
| Return on Equity | 17.56% | 18.10% | 14.69% | 17.98% | 18.70% | +114 bps | |
| Net Interest Margin | 4.24% | 4.31% | 4.14% | 4.07% | 4.18% | -6 bps | |
| Efficiency Ratio | 33.00% | 30.68% | 46.81% | 30.33% | 32.08% | -92 bps | |
| Non-Interest Burden | 1.22% | 0.86% | 1.62% | 1.03% | 1.15% | -7 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 / Loans | 0.00% | 0.14% | 0.45% | 0.32% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.45% | 0.58% | 0.57% | 0.57% | 0.56% | +11 bps | |
| Allowance Coverage of NPLs | 138.9x | 4.1x | 1.3x | 1.8x | 42.7x | -96.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.07% | 13.32% | 13.28% | 12.16% | 12.33% | -74 bps | |
| Total Risk-Based Capital | 13.07% | 13.32% | 13.28% | 12.16% | 12.33% | -74 bps | |
| Equity / Assets | 13.37% | 13.55% | 13.61% | 12.51% | 12.67% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 66.63% | 66.47% | 65.37% | 65.47% | 66.97% | +34 bps | |
| Liquid Assets / Assets | 40.16% | 40.25% | 39.76% | 37.91% | 34.43% | -573 bps | |
| CRE / Total Capital | n/a | 258% | 252% | 284% | n/a | n/a | |