| Metric | The Yellowstone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +5.5% | -0.4 pts |
| Deposit growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Loan growth (YoY) | +6.3% | +5.9% | +0.4 pts |
| ROA | 2.99% | 1.26% | +1.7 pts |
| ROE | 23.1% | 12.2% | +11.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.34B | $1.12B | $746.9M | $169.7M | $20.2M | 2.99% | 4.26% | 0.01% |
| Q1 2026 | $1.34B | $1.13B | $734.8M | $168.0M | $10.1M | 2.99% | 4.19% | 0.18% |
| Q4 2025 | $1.36B | $1.13B | $734.1M | $185.6M | $36.9M | 2.85% | 4.33% | 0.24% |
| Q3 2025 | $1.31B | $1.09B | $718.3M | $177.2M | $28.5M | 2.97% | 4.33% | 0.08% |
| Q2 2025 | $1.28B | $1.06B | $702.8M | $170.5M | $18.5M | 2.91% | 4.27% | 0.00% |
| Q1 2025 | $1.27B | $1.05B | $685.3M | $167.6M | $9.0M | 2.86% | 4.14% | 0.16% |
| Q4 2024 | $1.26B | $1.04B | $703.5M | $181.3M | $30.8M | 2.27% | 3.57% | 0.08% |
| Q3 2024 | $1.36B | $1.01B | $680.4M | $172.8M | $22.4M | 2.16% | 3.39% | 0.08% |
Loan mix (Q2 2026): real estate $630.2M · commercial $69.7M · consumer $8.7M · securities $495.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Yellowstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.99% | 1.26% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.2% | 59.0% | 3th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Yellowstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Yellowstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Yellowstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Yellowstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.