The Yellowstone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Yellowstone Bank of Laurel, MT against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.01% | 1.46% | +1.55% | 98th top |
| ROAE | 23.82% | 12.69% | +11.13% | 95th top |
| Net Interest Margin | 4.33% | 3.85% | +0.48% | 84th top |
| Efficiency Ratio | 32.03% | 57.41% | -25.38% | 97th top |
| PPNR / Avg Assets | 3.01% | 1.88% | +1.13% | 95th top |
| Yield on Earning Assets | 5.99% | 5.72% | +0.27% | 75th top |
| Cost of Funds | 1.78% | 2.02% | -0.24% | 63rd above |
| Net Interest Spread | 3.56% | 3.18% | +0.38% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.00% | -1.00% | 98th top |
| NPA / Total Assets | 0.00% | 0.76% | -0.76% | 98th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 70th above |
| ACL / Total Loans | 0.56% | 1.31% | -0.75% | 4th bottom |
| Texas Ratio | 0.06% | 7.39% | -7.33% | 96th top |
| Provision / NCO | 0.00% | 618.92% | -618.92% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.33% | 11.44% | +0.89% | 79th top |
| Equity / Assets | 12.67% | 11.33% | +1.34% | 82nd top |
| TCE / Tangible Assets | 12.23% | 10.50% | +1.73% | 84th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.97% | 86.96% | -19.99% | 88th top |
| Core Deposit Ratio | 93.25% | 85.55% | +7.70% | 75th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.19% | 33.13% | -0.94% | 47th below |
| Wholesale Funding Ratio | 3.30% | 5.70% | -2.40% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.04% | 9.68% | -4.64% | 49th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.40% | 8.06% | -1.66% | 54th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.86% | 7.88% | -2.02% | 57th above |
See The Yellowstone Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Yellowstone Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Yellowstone Bank profile, how to read a UBPR, or how this data updates.