The Yellowstone Bank

12 First Avenue
Laurel, MT 59044

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1978
Date Established 1926
Assets $0.74 billion
Loans $0.54 billion
Deposits $0.58 billion
Capital $0.13 billion

The Yellowstone Bank is an FDIC insured institution located in Laurel, MT. It was founded in 1926 and has approximately $0.74 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of The Yellowstone Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in The Yellowstone Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Montana, The Yellowstone Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.02
Multifamily
Mortgages
1.04
Credit Card Loans 0.00
Consumer Auto Loans 1.00
Small Business Loans 0.00
Construction and Development Loans 9.07
Commercial Real Estate 43.59
Commercial and Industrial Loans 17.45
Farm Loans 5.68

Deposit Rates - September 21, 2018

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.30% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.65% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.00% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.65% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM2.5K
0.15% $2,500 $9,999 Learn MoreShow Less
MM10K
0.25% $10,000 $24,999 Learn MoreShow Less
MM25K
0.25% $25,000 $74,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
PREMMM25K
0.50% $10,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $1,000 - Learn MoreShow Less

Loan Rates - September 21, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Yellowstone Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Ally Bank
NMLS ID: 181005
4.801% 4.750% 0.25 $1,574 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.544% 4.500% 0.13 $1,400 $1,267 Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to The Yellowstone Bank
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Branches

The Yellowstone Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Yellowstone Bank Locations

Financial Details

The Yellowstone Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Yellowstone Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Yellowstone Bank U.S. Bank Average
1.9% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, The Yellowstone Bank had $2,023,000 in non-current loans and $495,000 in owned real estate. To cover these potential losses it had $130,137,000 in equity and $2,516,000 in loans loss reserves. That gives it a Texas Ratio of 1.9%.

Return on Equity
The Yellowstone Bank U.S. Bank Average
15.25% 9.35%

The Yellowstone Bank has a Return on Equity of 15.25% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Yellowstone Bank U.S. Bank Average
17.67% 12.01%

The Yellowstone Bank has a Capitalization of 17.67% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Yellowstone Bank Balance Sheet Analysis

As of March 31, 2018, The Yellowstone Bank had assets of $736,682,000, loans of $540,747,000, and deposits of $576,966,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.09 billion
Interest-bearing balances $0.08 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.54 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.02 billion
     Total Assets $0.61 billion
LIABILITIES
Total deposits $0.58 billion
      Interest-bearing deposits $0.40 billion
      Deposits held in domestic offices $0.58 billion
      % insured (estimated) 75.70%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.61 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About The Yellowstone Bank

Branches and Savings

Is The Yellowstone Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1978.

Why does The Yellowstone Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Yellowstone Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Yellowstone Bank a commercial bank?

Yes

Where are The Yellowstone Bank locations?

See branch locations nearby.

Is The Yellowstone Bank open on Saturdays?

Is The Yellowstone Bank open on Sundays?

What time does The Yellowstone Bank open?

What time does The Yellowstone Bank close?

Are The Yellowstone Bank ATMs Open 24/7?

Do The Yellowstone Bank ATMs accept cash deposits?

Can The Yellowstone Bank customers use other ATMs?

Do The Yellowstone Bank branches have notaries?

Will The Yellowstone Bank notarize my document?

What address for The Yellowstone Bank should I put for incoming ACH transfers?

Will the The Yellowstone Bank branch print checks?

Do The Yellowstone Bank checks expire?

Does The Yellowstone Bank require US citizenship to open account?

Can The Yellowstone Bank close my account?

Does The Yellowstone Bank Report to credit bureaus?

Does The Yellowstone Bank Use Equifax?

What is The Yellowstone Bank's ACH Routing Number?

What is The Yellowstone Bank's SWIFT code?

Products

Does The Yellowstone Bank offer mortgages?

Compare mortgage rates here.

Does The Yellowstone Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Yellowstone Bank offer personal loans?

Compare personal loan rates here.

Does The Yellowstone Bank offer student loans?

Will The Yellowstone Bank cash a check?

Will The Yellowstone Bank redeem a savings bond?

Does The Yellowstone Bank cash savings bonds?

Will The Yellowstone Bank cash money orders?

Can The Yellowstone Bank issue a money order?

Does The Yellowstone Bank do currency exchange?

Background on The Bank

Who owns The Yellowstone Bank?

How long has The Yellowstone Bank been around?

Can The Yellowstone Bank transfer to other banks?

Does The Yellowstone Bank have quick pay?

Does The Yellowstone Bank accept rolled coins?

Will The Yellowstone Bank accept loose change?

Where is The Yellowstone Bank headquarters?

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