The Yellowstone Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.98 percentage points higher than in Q1 2026, at 142.16%. The Yellowstone Bank ranks 22nd of 35 Montana banks on loan-to-deposit ratio, in the lower half at 66.97% (Q2 2026). The Yellowstone Bank reported 66.97% on loan-to-deposit ratio for Q2 2026, 21.23 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $751.2M |
| Net loans and leases | $746.9M |
| Loans held for sale | $2.2M |
| Loans to total assets | 56.09% |
| Loan-to-deposit ratio | 66.97% |
| Net loans to equity capital | 4.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.69% |
| Multifamily (5+ residential) | 1.03% |
| Commercial and industrial | 9.28% |
| Consumer | 1.16% |
| Credit cards | 0.00% |
| Farm | 4.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.16% |
| Construction concentration (Tier 1 capital + allowance) | 55.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.17% |
| Interest income on loans | $13.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $665.8M | $957.2M | 48.08% | 11.76% | 1.54% |
| Q4 2023 | $669.7M | $976.6M | 46.32% | 11.04% | 1.54% |
| Q1 2024 | $674.7M | $982.0M | 46.34% | 11.37% | 1.62% |
| Q2 2024 | $682.9M | $975.0M | 48.06% | 10.66% | 1.67% |
| Q3 2024 | $683.6M | $1.01B | 47.02% | 10.81% | 1.72% |
| Q4 2024 | $706.7M | $1.04B | 45.99% | 9.99% | 1.58% |
| Q1 2025 | $688.5M | $1.05B | 46.91% | 10.38% | 1.51% |
| Q2 2025 | $706.0M | $1.06B | 47.10% | 9.70% | 1.44% |
| Q3 2025 | $722.5M | $1.09B | 45.80% | 9.31% | 1.43% |
| Q4 2025 | $738.3M | $1.13B | 48.48% | 9.26% | 1.27% |
| Q1 2026 | $739.1M | $1.13B | 49.67% | 9.55% | 1.24% |
| Q2 2026 | $751.2M | $1.12B | 48.69% | 9.28% | 1.16% |
The Yellowstone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Yellowstone Bank, freeSource: Call Report Schedule RC-C, 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)