BlastPoint's Banking Scorecard
The Yellowstone Bank
Community
Specialty: Commercial
MT
FDIC cert 1978
Laurel, MT
1484
banks in Community tier nationally
8 in MT
View Community leaderboard (MT) →
The Yellowstone Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 4% in Community
- + Efficiency Ratio 26.04% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+7.9% YoY
+4.3% QoQ
|
-$27.9M |
$1.4B
+2.0% YoY
|
$2.3B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$734.1M
+4.3% YoY
+2.2% QoQ
|
-$241.4M |
$975.5M
+2.4% YoY
|
$1.4B
+6.9% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$1.1B
+8.7% YoY
+3.9% QoQ
|
-$35.2M |
$1.2B
+1.7% YoY
|
$1.8B
+10.2% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
2.85%
+25.6% YoY
-4.1% QoQ
|
+1.69% |
1.16%
+17.2% YoY
|
1.41%
+20.5% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.33%
+21.2% YoY
-0.0% QoQ
|
+0.66% |
3.66%
+9.1% YoY
|
4.09%
+7.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
36.59%
-2.8% YoY
+14.3% QoQ
|
-26.04% |
62.63%
-5.3% YoY
|
60.30%
-5.3% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.45%
+231.3% YoY
+223.3% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.74%
+59.7% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
65.00%
-4.0% YoY
-1.6% QoQ
|
-18.06% |
83.06%
+0.3% YoY
|
70.96%
-2.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.47%
-5.0% YoY
+1.0% QoQ
|
+6.43% |
21.05%
-0.9% YoY
|
26.17%
-4.3% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.24%
+220.5% YoY
+216.9% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.55%
+73.8% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.31%
+9.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
+39.3% YoY
+19.6% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.39%
-27.3% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#15 of 371 · Top 4% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.85%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
36.59%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Credit Risk Growth
risk
#202 of 642 · Bottom 31% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 2.85% · Tier avg: 1.16%
97
97th pctile
Efficiency Ratio
Current: 36.59% · Tier avg: 62.63%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 21.05%
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
52
52th pctile
Total Loans
Current: $734.1M · Tier avg: $975.5M
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.00% · Tier avg: 83.06%
Top Weaknesses
14
14th pctile
Loan-to-Deposit Ratio
Current: 65.00% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
52
52th pctile
Total Loans
Current: $734.1M · Tier avg: $975.5M
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 21.05%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
97
97th pctile
Efficiency Ratio
Current: 36.59% · Tier avg: 62.63%
99
99th pctile
Return on Assets
Current: 2.85% · Tier avg: 1.16%