PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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