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Young Americans Bank

Denver, CO · Cert 27010 · Young Americans Education Foundation

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

0

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Young Americans Bank

Denver, CO · Cert 27010 · Young Americans Education Foundation

State charter, non-member · FDIC · 2 branches

Q2 2026

$15.5MAssets
$57KLoans
$13.4MDeposits
$1.8MEquity
Loan mix
0%RE $0K0%C&I $0K100%Consumer $39KQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $11.0M18%Noninterest $2.5MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.89%Q2 ’254.03%Q2 ’26+25%-13%

Non-interest income vs. expense

13.13%Q2 ’2416.36%Q2 ’2515.11%Q2 ’26+25%-8%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.0% share · #61 of 68 inst. · $0.0B of $113.6B

0.0% Denver
0.0% Jefferson

Executive Summary

  • Earnings: ROA of -11.53%, up 90 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 10.53% of loans (+1,053 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.86%, down 30 bps from a year ago.
  • Funding: loans stand at 0.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-11.53%+90 bps YoY

Net Interest Margin (YTD, annualized)

3.25%-47 bps YoY

Efficiency Ratio (YTD, annualized)

455%+2,384 bps YoY

Tier 1 Leverage Ratio

11.86%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-12.43%-13.31%-13.60%-11.41%-11.53%+90 bps
Return on Equity-111.07%-111.75%-110.02%-85.34%-89.68%+2,139 bps
Net Interest Margin3.72%3.49%3.39%3.15%3.25%-47 bps
Efficiency Ratio432%471%500%454%455%+2,384 bps
Non-Interest Burden16.29%16.70%17.23%14.50%15.04%-124 bps
Growth
Asset Growth (YoY)-5.76%-13.60%-8.70%-2.45%-4.39%+137 bps
Loan Growth (YoY)18.18%43.75%53.57%-11.36%46.15%+2,797 bps
Deposit Growth (YoY)-11.12%-21.63%-13.35%-4.28%-4.34%+679 bps
Asset Quality
Nonperforming Loans / Loans0.00%2.17%2.33%0.00%10.53%+1,053 bps
Net Charge-Offs / Loans5.13%2.90%0.00%0.00%0.00%-513 bps
Allowance / Loans12.82%13.04%13.95%15.38%17.54%+472 bps
Allowance Coverage of NPLsn/a6.0x6.0xn/a1.7xn/a
Capital
Tier 1 Leverage Ratio12.16%13.55%13.99%12.65%11.86%-30 bps
Total Risk-Based Capital531%405%467%366%204%-32,681 bps
Equity / Assets12.36%14.19%14.25%12.53%11.79%-57 bps
Liquidity & Funding
Loans / Deposits0.28%0.34%0.32%0.28%0.42%+15 bps
Liquid Assets / Assets93.51%87.90%88.31%84.08%73.92%-1,959 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Young Americans Bank

Denver, CO · Cert 27010 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Young Americans Education Foundation

State charter, non-member · FDIC · 2 branches

Q2 2026

$15.5MAssets
$57KLoans
$13.4MDeposits
$1.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: nonperforming loans / loans trails 100% of banks under $1B in assets operating in a single state (rank 741 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-11.77%

Rank 745 of 746

Net Interest Margin

3.25%

Rank 535 of 746

Efficiency Ratio

455%

Rank 745 of 746

Equity / Assets

11.79%

Rank 252 of 746

Non-interest income vs. expense

$0.0M$2.3MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 0% of banks under $1B in assets operating in a single state
Bank 455%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-11.77%0.72%1.06%1.45%Beats 0%745 / 746
Return on Equity-99.84%6.74%10.51%13.63%Beats 0%746 / 746
Net Interest Margin3.25%3.17%3.68%4.16%Beats 28%535 / 746
Efficiency Ratio455%55.74%64.58%75.47%Beats 0%745 / 746
Asset Quality
Nonperforming Loans / Loans10.53%0.09%0.42%1.07%Beats 0%741 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio203%11.55%13.75%17.60%Beats 100%3 / 746
Total Risk-Based Capital Ratio204%11.71%14.33%18.43%Beats 100%3 / 746
Equity / Assets11.79%8.90%10.51%13.06%Beats 66%252 / 746
Liquidity & Funding
Loans / Deposits0.42%61.31%78.27%90.78%0th pctl743 / 746
Loans / Assets0.37%53.60%66.97%76.08%0th pctl743 / 746
Brokered Deposits / Depositsn/aNot reported for this institution