The Yellowstone Bank
Laurel, Montana, Yellowstone County
$1.3B in total assets, the 843rd largest of 4,309 US banks and 6th of 35 headquartered in Montana.
- FDIC certificate
- 1978
- Established
- 1926
- Owned by
- Yellowstone Holding Co
- Primary regulator
- FED
- Website
- yellowstonebank.com
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 25% | $2.0B | |
| Loans | $751M | 10% | $1.4B | |
| Deposits | $1.1B | 26% | $1.7B | |
| Return on assets | 2.91% | 97% | 1.23% | |
| Net interest margin | 4.26% | 80% | 3.71% | |
| Efficiency ratio | 31.2% | 2% | 59.1% | |
| Equity to assets | 12.67% | 82% | 10.38% | |
| Loans to deposits | 67% | 12% | 88% |
Growth
Total assets grew 5.6% a year over the last 5 years and 6.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2021 | 1st Bank Broadus, MT | $60M |
| Oct 1996 | The Yellowstone Bank, Columbus, Montana Columbus, MT, an affiliate under the same holding company | $39M |
| Oct 1996 | Yellowstone Bank, Absarokee, Montana Absarokee, MT, an affiliate under the same holding company | $16M |
| Oct 1996 | The Yellowstone Bank Billings, MT, an affiliate under the same holding company | $37M |
| Mar 1987 | Clarks Fork National Bank Fromberg, MT | $8M |
Where they operate
10 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Yellowstone County, MT | $678M | 9.1% | 6 of 12 |
| Stillwater County, MT | $201M | 73.5% | 1 of 2 |
| Richland County, MT | $112M | 16.2% | 2 of 4 |
| Gallatin County, MT | $71M | 1.4% | 10 of 16 |
| Powder River County, MT | $59M | 100.0% | 1 of 1 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (9 to 10, +11.1%). 0 opened, 1 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2021 | Acquired 1st Bank | 1 | 0 | +1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 49% | 32% | |
| 1-4 family residential | 18% | 25% | |
| Construction and land | 12% | 8% | |
| Business (C&I) | 9% | 14% | |
| Agricultural | 6% | 2% | |
| Farmland | 4% | 3% | |
| Consumer | 1% | 4% | |
| Multifamily | 1% | 8% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 52% | |
| Noninterest-bearing | 26% | 21% | |
| Time deposits | 20% | 27% |
Brokered deposits are 0.0% of deposits (peers 6.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.01% | 0.51% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 0.56% | 1.15% |
| Leverage ratio | 12.33% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Montana
Largest competitors in Yellowstone County, MT
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/yellowstone