The Yellowstone Bank
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Data as of · sourced from FFIEC call reports. How we update
The Yellowstone Bank is an FDIC-insured commercial bank headquartered in Laurel, MT, established in 1926 (FDIC certificate 1978), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.34B, up 5.0% from Q2 2025, the 6th largest of 35 banks headquartered in Montana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.33% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1978
- Headquarters
- Laurel, MT
- Established
- 1926
- Total assets, Q2 2026
- $1.34B
- Assets vs Q2 2025
- +5.0%
- Tier 1 leverage ratio, Q2 2026
- 12.33%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 092905142
- Latest call report
- Q2 2026, FFIEC 051 · The Yellowstone Bank call report
- Holding company
- YELLOWSTONE HOLDING COMPANY
- Asset rank in state
- 6th of 35 in Montana
The Yellowstone Bank is one of the more profitable banks of its size. Based in Laurel, Montana, it had $1.3 billion in assets at June 30, 2026, up 5.0% from a year earlier. It earns about $3.01 a year on every $100 of assets, 2.3 times the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 32 cents to bring in each dollar of revenue, about half the median of 58 cents for banks its size.
As of June 30, 2026, The Yellowstone Bank reported a return on assets of 3.01%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
The Yellowstone Bank ranks as the 6th largest of the 35 banks based in Montana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $1.34B, loans rose 1.6% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 30.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.5%. Its 10 offices in the FDIC Summary of Deposits are in 7 cities in MT; its Billings 3 offices book 45% of its branch deposits. Judged on its Q2 2026 call report, The Yellowstone Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 12 1st Ave, Laurel, MT 59044
- County
- Yellowstone
- Metro Area
- Billings, MT
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 26, 1926
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $1.34B
- Average total loans
- $753.8M
- Average interest-bearing deposits
- $864.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 16, 1934
- FDIC Cert
- 1978
- Fed RSSD
- 680457
- Website
- yellowstonebank.com →
- Parent Holding Company
- YELLOWSTONE HOLDING COMPANY (RSSD 1124921)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Yellowstone Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Yellowstone Bank's total assets moved between a low of $1.16B (Q3 2023) and a high of $1.40B (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.34B total assets against $1.28B; $1.17B total liabilities against $1.10B.
$746.9M net loans and leases against $702.8M; $1.12B total deposits against $1.06B.
$495.5M securities against $427.7M; $53.5M cash and balances due against $100.9M.
$19.2M total interest income against $18.5M; $5.3M total interest expense against $5.2M.
$13.9M net interest income against $13.3M.
$920K total noninterest income against $802K; $4.7M total noninterest expense against $4.6M.
$0 provision for credit losses against $0.
$10.1M net income against $9.4M.
3.01% return on assets against 3.00%; 4.33% net interest margin against 4.46%.
12.33% tier 1 leverage ratio against 13.07%.
Inside the full The Yellowstone Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Yellowstone Bank rankings
Its closest position to the top of a national ranking is 60 of 3,606, for efficiency ratio; its furthest is 3,278 of 3,640, for Texas Ratio.
Metric pages for The Yellowstone Bank: ROA, Efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.28% (Q3 2024) to 3.12% (Q3 2025) and its net interest margin ran from 3.55% (Q3 2024) to 4.46% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.33% | 3.01% | 0.01% | 0.06% | 4.33% |
| Q1 2026 | 12.16% | 3.02% | 0.32% | 1.44% | 4.21% |
| Q4 2025 | 13.28% | 2.50% | 0.45% | 1.82% | 4.28% |
| Q3 2025 | 13.32% | 3.12% | 0.14% | 0.58% | 4.46% |
| Q2 2025 | 13.07% | 3.00% | 0.00% | 0.01% | 4.46% |
| Q1 2025 | 12.88% | 2.88% | 0.29% | 1.21% | 4.16% |
| Q4 2024 | 13.49% | 2.60% | 0.14% | 0.53% | 4.11% |
| Q3 2024 | 12.24% | 2.28% | 0.16% | 0.60% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 2000 Overland Avenue Branch | Billings , MT | 59102 | $276.4M |
| The Yellowstone Bank | Laurel , MT | 59044 | $175.6M |
| 544 Pike Avenue Branch | Columbus , MT | 59019 | $143.9M |
| Billings - Shiloh Branch | Billings , MT | 59106 | $142.4M |
| Sidney Branch | Sidney , MT | 59270 | $111.9M |
| Billings - Downtown Branch | Billings , MT | 59101 | $83.8M |
| Bozeman Branch | Bozeman , MT | 59718 | $71.5M |
| Broadus Branch | Broadus , MT | 59317 | $59.1M |
| Grove Street Branch | Absarokee , MT | 59001 | $57.0M |
| Drive-In | Laurel , MT | 59044 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 18, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 18, 2021 | Structure Change | Acquired 1st Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 1996 | Structure Change | Acquired Yellowstone Bank, Absarokee, Montana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 18, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 19, 1987 | Structure Change | Acquired Clarks Fork National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 19, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.9% of deposits in MT, rank 8 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 284 applications, 209 loans originated, $76.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.0M approved, $261K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Yellowstone Bank
What are The Yellowstone Bank's total assets?
As of the Q2 2026 filing, The Yellowstone Bank reported total assets of $1.34 billion in its FFIEC call report.
Where is The Yellowstone Bank headquartered?
It is headquartered in Laurel, MT, United States.
When was The Yellowstone Bank founded?
It was established in 1926, per the FDIC institution directory.
Is The Yellowstone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Yellowstone Bank?
The Yellowstone Bank's primary federal regulator is the Federal Reserve.
How many branches does The Yellowstone Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Yellowstone Bank's Texas Ratio?
Its Texas Ratio is 0.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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