Its all basically genetics Gus.If Bob is a tortoiseshell (forget the banded bit for a moment) what it means is she has inherited one yellow gene (classed as To) from one of her parents. It just means that one of her parents was either a yellow hamster or a tortoiseshell hamster (Mum only)
Yellow(To) is a sex linked gene. What this means is that this colour is attached to the X chromosome. Males are XY and females are XX. With me so far?
Okay - so if you take a yellow male hamster and mate him to another colour hamster the male will give half of his genes to make the new hamster, and the female will also give half her genes.
Say the other hamster was also yellow - the hamster pups would all gain one To gene from Mum (on the X chromosome). It is the male that decides on the sex of the pups and some sperm will carry X to marry with the females X and make girl hams and some will carry Y and marry with the female's X to make boys.
So boys only need one To gene to make them yellow. If they dont have one To gene they will be non-yellow. As Mum has given a To gene to all pups - all the males will be yellow!
Females, having to X genes, need two 'To's to make them yellow (shown genetically as ToTo). In our example above, the girls will also have inherited Dad's To on his X gene as well, so all females will be yellow too.
If one of the parents does not carry To however, there are other possibilities for females. For males, he either gets a yellow or he doesn't. He only needs one as I said.
For females, they can inherit ToTo (they will be yellow) no To (they will be non-yellow) or one To....
they will be tortoiseshell and show patches of yellow.
Depending what colour they also inherit this affects how the yellow appears from a bright yellow to a grey/peach. Here are some pictures from a breeders site just to show what I mean. They are special only in as much as good ones show a beautiful patterning and can be quite stunning!
Hope this helps!