The Yellowstone Bank: how it compares with its peers
Against 954 U.S. banks with half to twice its assets, The Yellowstone Bank's strongest measure in Q2 2026 is return on assets (2.99% vs. a 1.23% peer median). Its weakest relative measure is net interest margin (4.26% vs. 3.81%).
| Measure | The Yellowstone Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.99% | 1.23% | Top third Ahead of 98% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 3.81% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 31.22% | 60.69% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.9M | $7.9M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.59% | 84.95% | Context |
What it means for lending operations
Its efficiency ratio of 31.22% is better than the 60.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Oklahoma Bank Jenks, OK · $1.34B
- Capra Bank Dubuque, IA · $1.34B
- Studio Bank Nashville, TN · $1.34B
- Bank Midwest Spirit Lake, IA · $1.35B
- SKYLINE NATIONAL BANK Independence, VA · $1.33B
Questions about The Yellowstone Bank
How big is The Yellowstone Bank?
The Yellowstone Bank, established in 1926, is headquartered in Laurel, MT. It reported $1.34B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is The Yellowstone Bank's return on assets?
2.99% annualized in Q2 2026, against a 1.23% median for 954 U.S. banks with half to twice its assets, ahead of 98% of them.
What is The Yellowstone Bank's efficiency ratio?
31.22% in Q2 2026: it spent about 31 cents in noninterest expense for each dollar of revenue. The peer median is 60.69%, and lower is better.
Is The Yellowstone Bank growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Montana bank ranked.