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
Unfavorable gap of $2.3M · efficiency ratio beats 0% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.25% | 3.17% | 3.68% | 4.16% | Beats 28% | 535 / 746 | | |
| Efficiency Ratio | 455% | 55.74% | 64.58% | 75.47% | Beats 0% | 745 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 10.53% | 0.09% | 0.42% | 1.07% | Beats 0% | 741 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 203% | 11.55% | 13.75% | 17.60% | Beats 100% | 3 / 746 | | |
| Total Risk-Based Capital Ratio | 204% | 11.71% | 14.33% | 18.43% | Beats 100% | 3 / 746 | | |
| Equity / Assets | 11.79% | 8.90% | 10.51% | 13.06% | Beats 66% | 252 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.42% | 61.31% | 78.27% | 90.78% | 0th pctl | 743 / 746 | | |
| Loans / Assets | 0.37% | 53.60% | 66.97% | 76.08% | 0th pctl | 743 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |