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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 2 bps year over year; NIM at 4.18%.
  • 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 (quarter, annualized)

2.35%+2 bps YoY

Net Interest Margin (quarter, annualized)

4.18%-6 bps YoY

Efficiency Ratio (quarter, annualized)

32.08%-92 bps YoY

Tier 1 Leverage Ratio

12.33%-74 bps YoY

NIM

5.32%Q2 ’245.87%Q2 ’255.76%Q2 ’26+32%-1%

Non-interest income vs. expense

1.29%Q2 ’241.48%Q2 ’251.42%Q2 ’26+13%-6%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%2.04%2.25%2.34%2.44%1.99%2.35%2.35%+2 bps
Return on Equity14.43%15.08%16.32%17.56%18.10%14.69%17.98%18.70%+114 bps
Net Interest Margin3.42%3.94%3.99%4.24%4.31%4.14%4.07%4.18%-6 bps
Efficiency Ratio37.39%38.07%32.52%33.00%30.68%46.81%30.33%32.08%-92 bps
Non-Interest Burden1.12%1.32%1.09%1.22%0.86%1.62%1.03%1.15%-7 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%-0.02%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