# YELLOWSTONE BANK
LAUREL, MT · FDIC certificate 1978 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.34B | |
| Deposits | $1.12B | |
| Loans and leases | $751.2M | |
| Total equity | $169.7M | |
| Loans / deposits | 66.59% (p13 of band) | 87.10% |
| Liquid assets / assets | 40.99% (p90 of band) | |
| Uninsured deposits / deposits | 32.19% (p54 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.30% (p37 of band) | |
| FHLB advances / assets | 0.04% | |
| Tier 1 leverage | 12.33% (p79 of band) | 10.50% |
| Unrealized securities loss / equity | -1.24% (p86 of band) | -7.75% |
| AOCI / equity | -0.56% (p32 of band) | |
| ROA (annualized) | 2.99% (p98 of band) | 1.26% |
| Net interest margin | 4.26% (p80 of band) | 3.70% |
| Efficiency ratio | 31.22% (p3 of band) | |
| Noncurrent loans | 0.01% (p6 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | 4270.71% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 54.51% (p57 of band) | |
| Auto loans | $6.7M (0.89% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.9% | |
| Employees | 104 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | loans exceed deposits, capital falling |  |
| 2014-09 | 2 |  | loans exceed deposits |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 0 |  | reserve under noncurrent, capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | noncurrent p90 |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | wholesale funding >15% | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | wholesale funding >15%, capital falling |
| 2024-12 | 1 | assets shrinking |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-09-02 [Possible Bozeman bank robbery turns into chase - NBC Montana](https://news.google.com/rss/articles/CBMihwFBVV95cUxQZThGYUNSdjlVaDFRY1pxTEtuaGNXeDdjY213VEFscHp0NW1iMEpYY0VJYW1xRXRqdUUwREJ2UW9DZE1nTXcwSl9sXzVFRW5VbktqUFNCWkdzbnpaenBmazgtZHFUTURTa2lTY2wtUHhOU3pfM3JEZkRUYWRvZW5uc1ZJOTgtWTQ?oc=5) · NBC Montana
- 2021-05-29 [People in business for May 30, 2021 - Bozeman Daily Chronicle](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPY2l0TnVoOWctV1BkYU9JVXVBM0loOEtrZzVkQ1JrY2lIWFNqNzNkNkZEdnEybHc0bFJGLXdNeG1waXYxRmE1NWxDbjJFVXk3RFpQOUNyR0ZOQzR5Z2ZndWVUUzhMQzBhNW81YzJISjlNazlta1RTc0dyZ19FOTRQTmpvT1ZnTUFWUUprMk0xUmdGVkpSWmcwc1JtZFhpSnVHVEIwRVRDczVOUTlJdWdUM2k2MDN3MWY3S1JMNFZzdUpDNElOVmszMFFacU1HaXBCYnc?oc=5) · Bozeman Daily Chronicle
- 2010-02-25 [William Guy Paul Arraigned and Pleads Guilty in U.S. Federal Court - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMifkFVX3lxTE91UWlvTFFFOVBHM3VSY0t3TmQ2bk5OOWh2UWRla3dJeXJ4cnRSRUdDUzVRS2V4a3R2dEdZM05ORVozT0phbm11eUlIaC1xU0NpQjdGWDRKX25wZkl4eGRub0RUNE45ZS1yNVYyZFB4ZHRPbmthRWZ3bTNhN3NzUQ?oc=5) · Department of Justice (.gov)
- 2021-01-10 [Paycheck protection loans round two: what Montana business owners should know - KTVQ](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNQWc0SGZPalcxN1ZVWDNFeWtGSk9TZzdOTGF2Z3JIbUk0TzBUZkZmbTZEOEhzV1ZnN1JJWkUyck9QUFJfYmlQYXFCVXNFODlfc0xoRUJSZWRzemttS3ZTRzFoaTlQY1hGZFFHc3EtODhMVlB5UEhtWHZOcDJZcG1lTlpfeDV4ZWN2cU5XRmU0WmpmVm1QZ19FUVlhbzN6TWIxQmhoZldITEY?oc=5) · KTVQ
- 2025-01-13 [Byron Jarred Goodman Obituary Jan 13, 2025 - michelottisawyers.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9fdy1ZRzF6WTRMYXZBcTZmdXdGOHFlVVlsa01EV2hDWkMxNmlPZ203d21JcTRGTFVvd3NxWVk0VzdTOXBBMlpJeDA5RlRhdjQtLWI1R0xmVmd6OU5hS0llNjh1cTV5Z01uUkE?oc=5) · michelottisawyers.com
- 2025-05-03 [Joel Harris Obituary (1939 - 2025) - Columbus, MT - Billings Gazette - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNakVsZWE5WE54dGRUaFdjNHMyNG92VTZKVXBoaUFhRjdCQU9QS0JCYTFWQk81WXNoWGxqY1R3aG5aNTRaSXo0NUlSeDRROV9BWXZoVWtpVmlIUUk5UDZMT1NzMFVFVm1zNXBHU1ZwczBENWdVZVFUX1lwTzk1ODBCMWVYUU1Jdmh1bFQ5R29PNDA3NVQ2?oc=5) · Legacy obituary
- 2020-08-25 [Billings businesswoman reflects on Republican National Convention appearance - KTVQ](https://news.google.com/rss/articles/CBMiswFBVV95cUxQbEwxX09oLWFWbDBsMVJSbGtseDBFNVlXYnRKelRGSEJ3ODVSZGF4VkRlWWZwemhNa29uNFRZQjY0TUxtdktwVk1XWndaTnNoQTQ4VGNjWkxxbmpfUUtITVVacGVMMkVIaHh2aEdwUXk0SVl5Z01fSWpyWklRdnRodjlhdG9pNFpjWFU3WTgyU2hBNHVSUVYwc1dDUlNwX0JQU0FKell3MFdsWGp1Vnh0Z3JKMA?oc=5) · KTVQ
- 2025-03-19 [Ashlie Contreraz Obituary (2025) - Billings, MT - Dahl Funeral Chapel - Billings - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxNR0hQZDBsTjdoU3h4c0ZqaW12cGl4N3FFNFFoYnNraTVPYkNXUlJwN1hNSXU1NFZUUlpXOUhHZFJjbE42dFUyb0J1Xy1USE9jdjBneFlyY1EyLU52TXk5WFVTaURTeGRfbDJXT2ZUTDNiOUtKMnN3Y21mMHh4QTRmSE52RlluZw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1978 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "1978", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide