The Yellowstone Bank

The Yellowstone Bank is headquartered in Laurel and is the 10^st largest bank in the state of Montana. It is also the 1,519^st largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 78 employees at 8 locations. The Yellowstone Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Yellowstone Bank FDIC Certificate # 1978 BankRate Report View Year Established 1926 Employees 78 Primary Regulator FED Assets and Liabilities Assets $438.56 million Loans $290.33 million Deposits $344.92 million Equity Capital $80.96 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $6.00 million Real Estate Owned $6.36 million Historic Data - March 2011 Assets $431.85 million Equity Capital $78.77 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $4.77 million Real Estate Owned $9.32 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 2.85% Return on Equity 15.72% Interest Income $4.67 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Yellowstone Bank had $12.37 million in non-current loans and owned real-estate with $83.14 million in equity and loan loss allowances on hand to cover it. This gives The Yellowstone Bank a Texas Ratio of 14.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Yellowstone Bank held steady from 17.02% as of March 31, 2011 to 14.88% as of March 31, 2012, resulting in a positive change of 12.62%.This indicates that the balance sheet and financial strength for The Yellowstone Bank has held steady in recent periods. Deposit Growth In the past year, The Yellowstone Bank has increased its total deposits by $6.36 million, resulting in 1.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Yellowstone Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Yellowstone Bank has $438.56 million in assets with $83.14 million in equity, resulting in a capitalization level of 18.96%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.