What Yellowstone Bank does

Yellowstone Bank is an FDIC-insured, independent community bank founded in 1907 in Laurel, Montana, and owned by the Harris family for five generations. The bank operates 10 branch locations across Montana (Absarokee, Billings, Bozeman, Broadus, Columbus, Laurel, and Sidney) and serves individual consumers, small and medium businesses, agricultural producers, commercial enterprises, and home buyers through a comprehensive suite of deposit, lending, mortgage, and treasury products. As of December 31, 2025, it reported $1.34B in total assets, $1.13B in total deposits, a $739.05M loan portfolio, and $168.67M in total capital, with agricultural, commercial, and real estate lending as core franchise drivers and over 110 years of agricultural lending experience.

The bank's technology platform is built on third-party infrastructure: a Fiserv-powered core supports online banking (go.yellowstone.bank), native iOS/Android mobile apps, and 24/7 phone banking, with integrations to Deluxe (check ordering), TIB (merchant services), and AutoBooks (SMB invoicing and payments). A 2024-2025 platform upgrade introduced two-factor authentication, P2P payments, card management, secure chat, a Snapshot budgeting tool, and enhanced alerts. The bank employs in-house Direct Endorse FHA and VA underwriters for mortgage lending and has added a Process Automation Officer role to drive workflow modernization, though no proprietary AI/ML capabilities are disclosed.

The revenue model is a traditional community bank mix: net interest income on the loan and securities portfolio is the primary driver, supplemented by deposit service charges, overdraft and NSF fees ($28 per item), ATM fees ($1 for non-owned ATMs), mortgage origination and servicing fees, merchant services revenue (via TIB), interchange on Yellowstone Bank-branded credit cards, and percentage-based transaction fees on AutoBooks invoicing. GTM is relationship-driven: relationship managers and loan officers at each branch handle commercial, agricultural, and mortgage lending in person or by phone, with online self-service for mortgages, account opening, and routine banking. Distribution is Montana-only, anchored by physical branches and supported by digital and phone channels.

Name

Yellowstone Bank

Legal name

Yellowstone Bank

Website

https://yellowstone.bank

Company type

Private

Founded year

1907

Operating status

Operating

Short description

Yellowstone Bank is a fifth-generation, family-owned Montana community bank operating 10 branches and offering personal, business, agricultural, and mortgage lending plus deposit and digital banking services. As of December 31, 2025, it held $1.34B in total assets and $1.13B in deposits.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Community banking
• Commercial lending
• Agricultural loans
• Mortgage lending
• Personal banking

Headquarters

HQ city

Laurel

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Net Interest Income: Primary revenue from interest earned on loan portfolio (commercial, agricultural, real estate, consumer) minus interest paid on deposits. As a community bank, this is the core revenue driver.
2. Deposit Account Fees and Charges: Monthly service charges, minimum balance fees, overdraft fees ($28 per item), ATM fees for out-of-network withdrawals ($1 per transaction), and returned item fees.
3. Mortgage Lending Revenue: Origination fees, processing fees, and servicing revenue from residential mortgage loans including purchase, refinance, and new construction financing.
4. Merchant Services: Payment processing revenue from business merchant services including credit/debit card acceptance, online payments, and mobile payments. Partner TIB handles processing.
5. Business Banking Services: Revenue from business checking accounts, ACH origination services, remote deposit capture, wire transfers, and positive pay fraud protection services.
6. Credit Card Revenue: Interchange fees and merchant discount rates from Yellowstone Bank branded credit cards issued through third-party partnership.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Yellowstone Bank is a Montana community bank offering personal and business deposit accounts, mortgages, commercial loans, and agricultural loans. The bank operates ten branch locations across Montana and is headquartered in Laurel, Montana. It serves individuals, local businesses, and farm/ranch operators with relationship-driven lending and deposit services under fifth-generation Harris family ownership dating to 1907.

Product overview

Yellowstone Bank operates as a community bank offering a comprehensive suite of financial products and services. The core banking platform includes personal and business checking/savings accounts, personal and commercial lending (including agricultural loans with 110+ years of experience), mortgage products, credit cards, and certificates of deposit. The digital banking ecosystem encompasses Online & Mobile Banking (with 2024-2025 platform upgrade), Business Online Banking with Positive Pay and ACH origination, eStatements, and Financial Calculators. Additional services include Merchant Services, Health Savings Accounts, IRAs, Phone Banking, Debit Cards, and Bounce Protection overdraft service. The bank maintains a presence across Montana with locations in Absarokee, Billings (multiple branches), Bozeman, Broadus, Columbus, Laurel, and Sidney.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Services Deposit and transactional banking products for individual consumers and households, including checking and savings accounts and personal banking services, delivered through Yellowstone Bank's Montana branch network.
• Business Banking Services Deposit and cash-management products for small and mid-sized businesses operating in Montana, delivered through the bank's branch network.
• Mortgages Residential mortgage lending products for individual homebuyers and homeowners in the bank's Montana service area.
• Agricultural Loans Credit products tailored to farm and ranch operators in Montana, supporting operating, equipment, and production financing needs across agricultural cycles.
• Commercial Loans Credit facilities for small and mid-sized commercial enterprises in Montana, supporting working capital, equipment, and general business financing needs.

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature10 records

Partnerships

Four partnerships are on record, tiered core and standard.

• Fiserv, Inc.coreTechnology or IntegrationThird-party technology provider powering Yellowstone Bank's debit card services. Lost/stolen debit cards can be reported by calling Fiserv at 888-833-3455.
• Deluxe CorporationstandardTechnology or IntegrationCheck printing partner. Customers can order personal checks through Deluxe's online portal. Business check products ordered through Deluxe at 1-800-252-3414. Yellowstone Bank routing number is 092905142.
• TIB (The Independent BankersBank)coreTechnology or IntegrationMerchant services partner providing payment processing solutions for business clients. TIB reviews customer invoices and proposes tailored payment acceptance solutions for online, mobile, phone, and in-person transactions.
• AutoBooksstandardTechnology or IntegrationBusiness invoicing and payment platform integrated with Yellowstone Bank's business online banking. Enables customized invoicing with business branding, wide range of digital payment options (credit cards, debit cards, ACH), and direct deposit to business checking accounts within two business days.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Glacier Bank: Glacier Bank (subsidiary of Glacier Bancorp) is a Montana-headquartered community bank with extensive branch presence across Montana, Idaho, Washington, and other Western states. It is a direct peer in commercial, agricultural, and residential lending and competes head-to-head in Yellowstone Bank's core Montana markets.
• Opportunity Bank of Montana: Opportunity Bank of Montana is a community bank serving Montana with branches in multiple cities. It competes in consumer and commercial banking, and has overlapping presence in several Montana markets where Yellowstone Bank operates.
• First Interstate Bank: First Interstate BancSystem is a Montana-based community banking franchise operating across Montana, Wyoming, Idaho, Oregon, Washington, Nevada, Utah, Colorado, and South Dakota. It is a direct peer in commercial, ag, and mortgage lending with overlapping Montana geography.
• Stockman Bank: Stockman Bank is one of Montana's largest privately-held community banks with branches across central and western Montana. It directly competes with Yellowstone Bank in agricultural lending, commercial banking, and residential mortgage services in overlapping Montana markets.
• Farmers State Bank: Farmers State Bank is a Montana community bank focused on agricultural and commercial lending in rural Montana. Like Yellowstone Bank, it competes on relationship-driven service and agricultural specialization in smaller Montana communities.
• Eagle Bank: Eagle Bancorp Montana (Eagle Bank) is a community bank holding company operating in Montana, with branches concentrated in Helena and Great Falls. It competes directly in consumer, commercial, and agricultural lending with overlapping Montana market presence.

Regional players

• Flathead Bank of Montana: Flathead Bank of Montana is a community bank focused on the Flathead Valley area of northwestern Montana. It provides consumer, mortgage, and small business banking services comparable to Yellowstone Bank, but operates in a different Montana region.
• Three Rivers Bank: Three Rivers Bank is a Montana-based community bank with limited geographic concentration in Montana markets. It serves similar consumer and small business banking needs and is a regional player adjacent to Yellowstone Bank's footprint.

Broad incumbents

• U.S. Bank: U.S. Bank (U.S. Bancorp) is a large national bank with significant branch presence in Montana, including Billings and Bozeman. As a broad incumbent, it offers the full suite of competing banking services to consumers, businesses, and ag clients across Yellowstone Bank's markets.
• Wells Fargo: Wells Fargo is a national bank with branch and commercial banking presence across Montana, including in Billings and other Yellowstone Bank markets. It competes across consumer, mortgage, and commercial banking segments as a broader incumbent player.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-yellowstone-bank-laurel-mt-

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Yellowstone Bank