The Yellowstone Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 18.2% in Q2 2026, from $65.3M to $53.5M. It was the largest change from Q1 2026 among the key lines here. Within Montana, The Yellowstone Bank is 22nd of 35 on loan-to-deposit ratio, 66.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Yellowstone Bank sits 21.23 points lower, at 66.97% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $53.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $549.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $43.7M |
| Other borrowed money | $532K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.97% |
| Net loans and leases to deposits | 66.59% |
| Loans and leases to core deposits | 71.81% |
| Core deposits to total deposits | 93.25% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 69.55% | 94.50% | $26.0M | $769K |
| Q4 2023 | 68.58% | 94.38% | $29.6M | $219.7M |
| Q1 2024 | 68.70% | 92.96% | $27.7M | $220.7M |
| Q2 2024 | 70.04% | 92.10% | $32.1M | $196.7M |
| Q3 2024 | 67.91% | 91.98% | $35.8M | $130.7M |
| Q4 2024 | 68.02% | 91.97% | $41.5M | $663K |
| Q1 2025 | 65.27% | 92.91% | $41.4M | $641K |
| Q2 2025 | 66.63% | 93.29% | $41.0M | $627K |
| Q3 2025 | 66.47% | 93.31% | $39.4M | $598K |
| Q4 2025 | 65.37% | 93.48% | $46.5M | $576K |
| Q1 2026 | 65.47% | 93.24% | $43.3M | $554K |
| Q2 2026 | 66.97% | 93.25% | $43.7M | $532K |
The Yellowstone Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Yellowstone Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Yellowstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1978) · FFIEC NIC profile (RSSD 680457)