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The Yellowstone Bank

$1B-$10B Specialty: Commercial MT FDIC cert 1978

Designations: ✓ Community bank

Laurel, MT

10 branches across MT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in MT.
  • Deposits +5.9% year over year ($1.1B on the books).
  • Delinquency rate 0.01%.
  • Return on assets 2.99%.
  • Efficiency ratio 31.22% vs a 59.73% peer average.
  • Loan-to-deposit ratio 66.59% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 5 in MT
View $1B-$10B leaderboard (MT) →

The Yellowstone Bank has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 34.2% in tier
  • + Efficiency Ratio 28.51% below tier average
  • + Delinquency Rate 0.85% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.8% in tier
  • - Credit Risk Growth: Bottom 22.1% in tier
Get updates when The Yellowstone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Total Assets ? $1.3B
+5.0% YoY -0.3% QoQ
-$1.5B $2.8B
-0.6% YoY
$2.2B
+3.0% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $746.9M
+6.3% YoY +1.6% QoQ
-$1.2B $2.0B
-0.3% YoY
$1.4B
+2.6% YoY
$3.2B
+9.4% YoY
Bottom 10.2% in tier
Total Deposits ? $1.1B
+5.9% YoY -0.6% QoQ
-$1.2B $2.3B
-0.5% YoY
$1.8B
+4.6% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 2.99%
+2.6% YoY +0.1% QoQ
+1.60% 1.39%
+17.0% YoY
1.54%
-6.6% YoY
1.30%
+12.1% YoY
Top 2.1% in tier
Net Interest Margin ? 4.26%
-0.3% YoY +1.6% QoQ
+0.38% 3.87%
+6.2% YoY
4.16%
+5.0% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 31.22%
-4.7% YoY +2.9% QoQ
-28.51% 59.73%
-12.6% YoY
60.98%
-0.5% YoY
70.05%
+2.5% YoY
Top 2.4% in tier
Delinquency Rate ? 0.01%
+305.0% YoY -95.9% QoQ
-0.85% 0.87%
+11.7% YoY
1.28%
+29.2% YoY
0.98%
+16.3% YoY
Top 4.3% in tier
Loan-to-Deposit Ratio ? 66.59%
+0.4% YoY +2.3% QoQ
-18.44% 85.04%
-0.1% YoY
70.68%
-1.2% YoY
79.03%
+2.3% YoY
Top 12.1% in tier
Non-Interest-Bearing Deposit Share ? 25.86%
-7.2% YoY +0.9% QoQ
+4.59% 21.27%
-1.5% YoY
26.03%
+1.9% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.01%
+309.8% YoY -95.8% QoQ
-0.67% 0.67%
+11.7% YoY
0.78%
+50.1% YoY
0.69%
+15.8% YoY
Top 4.0% in tier
Tier 1 Capital Ratio ? 12.33%
-5.7% YoY +1.3% QoQ
-2.52% 14.84%
-0.4% YoY
18.68%
-1.3% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.14%
+2.6% YoY +96.1% QoQ
-0.39% 0.53%
+2.5% YoY
1.73%
+7.3% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Noninterest-Bearing 25.9%
-2.0pp YoY
+0.2pp QoQ
 +4.5pp 21.4% 26.8% 22.2% 73%
Brokered Deposits n/a n/a 9.5% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
C&I 9.3%
-0.4pp YoY
-0.3pp QoQ
 -4.7pp 14.0% 14.3% 12.5% 41%
CRE 62.4%
+3.5pp YoY
-0.2pp QoQ
 +12.4pp 50.0% 42.8% 41.4% 79%
1-4 Family 17.7%
-2.5pp YoY
+0.4pp QoQ
 -8.8pp 26.4% 26.0% 31.3% 37%
Consumer 1.2%
-0.3pp YoY
-0.1pp QoQ
 -3.5pp 4.7% 2.7% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.4% 19.7% n/a
Leverage Ratio 12.3%
-0.7pp YoY
+0.2pp QoQ
 +1.0pp 11.3% 13.2% 12.6% 79%
Total Capital Ratio n/a n/a 16.7% 23.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Full-Time Employees 104
0 YoY
+5 (+5.1%) QoQ
 -210 313 284 482 8%
Assets per Employee ($) $12.9M
+5.0% YoY
-5.1% QoQ
 +$2.4M $10.5M $8.1M $8.8M 83%
Branch Count 10
0 YoY
0 QoQ
 -10 20 21 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.2pp QoQ
 -0.1pp 0.2% 0.6% 0.4% 35%
Nonaccrual n/a n/a 0.8% 1.1% 1.0% n/a
Allowance Coverage 42.71x
-69.2% YoY
+2300.6% QoQ
 +24.00x 18.71x 3.69x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.0% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
ROE 23.1%
+1.8pp YoY
+0.2pp QoQ
 +10.5pp 12.6% 14.2% 11.6% 95%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.5% 1.7% 32%
Net Income ($, YTD) $20.2M
+9.1% YoY
— QoQ
 +$927K $19.2M $14.9M $40.4M 70%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#77 of 222 • Top 34.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.99%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#5 of 492 • Bottom 0.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#90 of 402 • Bottom 22.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

20
Return on Assets
profitability
Value: 2.99%
Peer Median: 1.39%
#20 of 885 Top 2.1% in $1B-$10B
22
Efficiency Ratio
profitability
Value: 31.22%
Peer Median: 59.73%
#22 of 885 Top 2.4% in $1B-$10B
36
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.67%
#36 of 885 Top 4.0% in $1B-$10B
39
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.87%
#39 of 882 Top 4.3% in $1B-$10B
108
Loan-to-Deposit Ratio
liquidity
Value: 66.59%
Peer Median: 85.04%
#108 of 885 Top 12.1% in $1B-$10B
182
Net Interest Margin
profitability
Value: 4.26%
Peer Median: 3.87%
#182 of 885 Top 20.5% in $1B-$10B

Top Weaknesses (3 metrics)

796
Total Loans
size
Value: $746.93M
Peer Median: $1.96B
#796 of 885 Bottom 10.2% in $1B-$10B
740
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#740 of 885 Bottom 16.5% in $1B-$10B
665
Total Assets
size
Value: $1.34B
Peer Median: $2.79B
#665 of 885 Bottom 25.0% in $1B-$10B
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