BlastPoint's Banking Scorecard

The Yellowstone Bank

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

Designations: ✓ Community bank

Laurel, MT

10 branches across MT

884 banks in the $1B-$10B peer group nationally 5 in MT

The Yellowstone Bank has 4 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 29.0% in tier
+ Efficiency Ratio 30.73% below tier average
+ Net Interest Margin 0.37% above tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.1% in tier
- Credit Risk Growth: Bottom 28.3% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$1.3B +6.0% YoY -1.5% QoQ	-$1.5B	$2.8B -0.1% YoY	$2.2B +7.4% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$734.8M +7.2% YoY +0.1% QoQ	-$1.2B	$2.0B +0.6% YoY	$1.4B +7.1% YoY	$3.2B +10.8% YoY	Bottom 9.6% in tier
Total Deposits ?	$1.1B +7.0% YoY -0.1% QoQ	-$1.2B	$2.3B -0.3% YoY	$1.8B +10.6% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	2.99% +4.6% YoY +4.8% QoQ	+1.62%	1.37% +19.6% YoY	1.68% +0.0% YoY	1.23% +13.4% YoY	Top 2.4% in tier
Net Interest Margin ?	4.19% +1.1% YoY -3.2% QoQ	+0.37%	3.82% +6.9% YoY	4.10% +5.6% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	30.33% -6.7% YoY -15.7% QoQ	-30.73%	61.06% -4.6% YoY	58.72% -5.9% YoY	66.95% -4.1% YoY	Top 1.9% in tier
Delinquency Rate ?	0.32% +11.6% YoY -28.8% QoQ	-0.56%	0.89% +14.1% YoY	1.39% +43.4% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	65.10% +0.2% YoY +0.2% QoQ	-19.11%	84.20% +0.3% YoY	68.91% -1.7% YoY	76.70% +0.9% YoY	Top 12.0% in tier
Non-Interest-Bearing Deposit Share ?	25.64% -5.1% YoY -6.7% QoQ	+4.35%	21.29% -2.5% YoY	25.97% -2.2% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.18% +12.8% YoY -27.7% QoQ	-0.50%	0.67% +15.6% YoY	0.81% +60.9% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	12.16% -5.6% YoY -8.4% QoQ	-3.00%	15.16% +2.0% YoY	19.61% +1.4% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.07% -4.0% YoY -83.2% QoQ	-0.19%	0.26% +1.6% YoY	0.88% +6.9% YoY	0.32% +4.1% YoY	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#65 of 221 • Top 29.0% in tier

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

Why this signature

Return on Assets: 2.99%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#68 of 513 • Bottom 13.1% in tier

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

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#120 of 420 • Bottom 28.3% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 30.33%

Peer Median: 61.06%

#18 of 884 Top 1.9% in $1B-$10B

Return on Assets

profitability

Value: 2.99%

Peer Median: 1.37%

#22 of 884 Top 2.4% in $1B-$10B

107

Loan-to-Deposit Ratio

liquidity

Value: 65.10%

Peer Median: 84.20%

#107 of 884 Top 12.0% in $1B-$10B

184

Net Interest Margin

profitability

Value: 4.19%

Peer Median: 3.82%

#184 of 884 Top 20.7% in $1B-$10B

213

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#213 of 884 Top 24.0% in $1B-$10B

Top Weaknesses (3 metrics)

800

Total Loans

size

Value: $734.82M

Peer Median: $1.96B

#800 of 884 Bottom 9.6% in $1B-$10B

717

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#717 of 884 Bottom 19.0% in $1B-$10B

664

Total Assets

size

Value: $1.34B

Peer Median: $2.82B

#664 of 884 Bottom 25.0% in $1B-$10B