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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

4.39%Q2 ’245.13%Q2 ’253.94%Q2 ’26+40%-22%

Non-interest income vs. expense

13.77%Q2 ’2416.32%Q2 ’2515.03%Q2 ’26+19%-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 -11.50%, up 65 bps year over year; NIM at 3.21%.
  • 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 (quarter, annualized)

-11.50%+65 bps YoY

Net Interest Margin (quarter, annualized)

3.21%-93 bps YoY

Efficiency Ratio (quarter, annualized)

457%+6,934 bps YoY

Tier 1 Leverage Ratio

11.86%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-12.15%-15.17%-14.59%-11.41%-11.50%+65 bps
Return on Equity-102.09%-114.37%-102.62%-85.34%-94.49%+760 bps
Net Interest Margin4.14%3.08%2.72%3.15%3.21%-93 bps
Efficiency Ratio387%564%615%454%457%+6,934 bps
Non-Interest Burden16.25%17.72%17.09%14.50%14.95%-130 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 / Loans0.00%0.00%-9.30%0.00%0.00%0 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