TellerScore

The Yellowstone Bank (FDIC certificate #1978) is based in Laurel, Montana. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in deposits and 10 offices.

The Yellowstone Bank has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 897 banks with $1 billion – $10 billion. Among 35 banks headquartered in Montana, it ranks 4th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (73/100, 12.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.33%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings100/100
Return on assets (annualized): 2.99%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 66.6% · 32.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (91 → 88), mostly because the capital cushion component weakened by 8 points.

TellerScore
858891Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202487
Q4 202490
Q1 202588
Q2 202591
Q3 202590
Q4 202587
Q1 202685
Q2 202688
Tier 1 leverage ratio
5.00%9.25%13.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.54%
Q3 202412.24%
Q4 202413.49%
Q1 202512.88%
Q2 202513.07%
Q3 202513.32%
Q4 202513.28%
Q1 202612.16%
Q2 202612.33%
Noncurrent loans
0.00%0.23%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.16%
Q4 20240.14%
Q1 20250.29%
Q2 20250.00%
Q3 20250.14%
Q4 20250.45%
Q1 20260.32%
Q2 20260.01%
Return on assets
2.10%2.55%2.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.10%
Q3 20242.16%
Q4 20242.27%
Q1 20252.86%
Q2 20252.91%
Q3 20252.97%
Q4 20252.85%
Q1 20262.99%
Q2 20262.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$1.3B12.33%0.01%2.99%66.6%
Q1 202685$1.3B12.16%0.32%2.99%65.1%
Q4 202587$1.4B13.28%0.45%2.85%65.0%
Q3 202590$1.3B13.32%0.14%2.97%66.1%
Q2 202591$1.3B13.07%0.00%2.91%66.3%
Q1 202588$1.3B12.88%0.29%2.86%65.0%
Q4 202490$1.3B13.49%0.14%2.27%67.7%
Q3 202487$1.4B12.24%0.16%2.16%67.6%
Q2 202485$1.4B11.54%0.15%2.10%69.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.33%
79th
Total risk-based capital0.00%
13th
Problem loans0.01%
95th
Net charge-offs0.00%
76th
Return on assets2.99%
98th
Net interest margin4.26%
80th
Efficiency ratio31.2%
97th
Loans to deposits66.6%
88th
Uninsured deposits32.2%
46th
Loan-loss reserves0.56%
5th
Texas ratio0.1%
96th

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Independence BankBank Havre, MT84 out of 100, Strong$1.4B13.4%0.46%vs
TrailWest BankBank Lolo, MT50 out of 100, Below average$1.1B8.6%1.82%vs
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs

Deposit insurance

Is my money safe at The Yellowstone Bank?

Yes. The Yellowstone Bank is an FDIC-insured institution (FDIC certificate #1978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.2% of deposits ($361.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

The Yellowstone Bank lists 9 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Yellowstone Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1978
RSSD ID
680457
Primary regulator
FED
Holding company
Yellowstone Holding Co
Established
May 26, 1926
Headquarters
12 1st Ave, Laurel, MT 59044
Employees
104

Quick answers

The Yellowstone Bank: common questions

Is The Yellowstone Bank FDIC insured?

Yes. The Yellowstone Bank is an FDIC-insured institution (FDIC certificate #1978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Yellowstone Bank's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Yellowstone Bank ever failed?

There is no failure record for FDIC certificate #1978 in the FDIC failed bank list.

How many branches does The Yellowstone Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Laurel

InstitutionScoreAssetsCapitalProblem loansCompare
Rimrock Credit UnionCredit union Billings, MT93 out of 100, Very strong$64.0M15.0%0.15%vs
Seg Federal Credit UnionCredit union Laurel, MT74 out of 100, Strong$25.6M12.6%0.75%vs
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs
Intrepid Credit UnionCredit union Helena, MT71 out of 100, Strong$310.8M11.1%0.44%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
Valley Financial Credit UnionCredit union Billings, MT71 out of 100, Strong$600.9M10.7%0.25%vs