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Yampa Valley Bank

Steamboat Springs, CO · Cert 35407 · Routt County Bcorp Inc.

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 assets3

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 (n=581 to 629). 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

9

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

89

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

Yampa Valley Bank

Steamboat Springs, CO · Cert 35407 · Routt County Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$687.6MAssets
$537.4MLoans
$614.1MDeposits
$58.2MEquity
Loan mix
94%RE $478.6M5%C&I $27.8M1%Consumer $5.0MQ3 2024Q2 2026
Deposit mix
71%Interest-bearing $438.9M29%Noninterest $175.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.77%, up 10 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.09% of loans (+1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.39%, down 7 bps from a year ago.
  • Funding: loans stand at 87.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.77%+10 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+21 bps YoY

Efficiency Ratio (YTD, annualized)

49.33%-150 bps YoY

Tier 1 Leverage Ratio

9.39%-7 bps YoY

NIM

5.66%Q2 ’246.03%Q2 ’256.10%Q2 ’26+20%+5%

Non-interest income vs. expense

2.25%Q2 ’242.27%Q2 ’252.30%Q2 ’26+2%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.39%1.48%1.67%1.70%1.77%1.55%1.77%+10 bps
Return on Equity17.72%18.81%18.72%21.09%21.23%21.82%18.84%21.32%+23 bps
Net Interest Margin3.62%3.69%4.08%4.14%4.14%4.13%4.29%4.35%+21 bps
Efficiency Ratio56.08%54.32%53.67%50.83%48.99%48.71%50.54%49.33%-150 bps
Non-Interest Burden1.86%1.83%2.05%1.94%1.85%1.84%2.02%1.99%+5 bps
Growth
Asset Growth (YoY)0.62%2.43%1.72%7.29%7.99%8.35%10.21%4.90%-239 bps
Loan Growth (YoY)9.63%9.26%7.86%14.23%14.18%11.56%8.83%4.29%-994 bps
Deposit Growth (YoY)0.07%3.01%0.62%4.80%7.73%8.48%9.65%6.09%+129 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.02%0.09%0.08%0.09%0.08%0.09%0.09%+1 bps
Net Charge-Offs / Loans0.03%0.02%0.01%0.00%0.05%0.04%0.01%0.01%+1 bps
Allowance / Loans1.45%1.47%1.52%1.40%1.44%1.45%1.49%1.41%+1 bps
Allowance Coverage of NPLs41.0x60.6x17.1x16.9x16.2x18.3x16.5x16.0x-0.9x
Capital
Tier 1 Leverage Ratio9.06%9.17%9.29%9.46%9.32%9.37%9.09%9.39%-7 bps
Total Risk-Based Capital9.06%9.17%9.29%9.46%9.32%9.37%9.09%9.39%-7 bps
Equity / Assets7.95%7.74%8.07%7.96%8.30%8.44%8.02%8.46%+51 bps
Liquidity & Funding
Loans / Deposits81.40%82.12%83.77%89.02%86.27%84.45%83.15%87.51%-151 bps
Liquid Assets / Assets0.10%0.22%0.31%0.23%1.26%2.46%2.97%0.14%-9 bps
CRE / Total Capitaln/an/an/an/a445%437%441%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

Yampa Valley Bank

Steamboat Springs, CO · Cert 35407 · Peer group: banks under $1B in assets (n=581-629) · Routt County Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$687.6MAssets
$537.4MLoans
$614.1MDeposits
$58.2MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 94% of banks under $1B in assets (rank 37 of 629).
  • Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets (rank 600 of 629).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.77%

Rank 100 of 629

Net Interest Margin

4.35%

Rank 89 of 629

Efficiency Ratio

49.33%

Rank 71 of 629

Equity / Assets

8.46%

Rank 526 of 629

Non-interest income vs. expense

$2.1M$15.7MINCOMEEXPENSE
Unfavorable gap of $13.6M · efficiency ratio beats 89% of banks under $1B in assets
Bank 49.33%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.77%0.60%1.01%1.45%Beats 84%100 / 629
Return on Equity20.86%5.38%9.30%13.28%Beats 94%37 / 629
Net Interest Margin4.35%3.03%3.54%4.05%Beats 86%89 / 629
Efficiency Ratio49.33%58.35%67.79%79.08%Beats 89%71 / 629
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.46%1.20%Beats 76%143 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 55%264 / 581
Capital
Tier 1 Capital Ratio9.39%11.24%13.84%18.77%Beats 5%599 / 629
Total Risk-Based Capital Ratio9.39%11.58%14.43%19.66%Beats 5%600 / 629
Equity / Assets8.46%9.09%10.65%13.80%Beats 16%526 / 629
Liquidity & Funding
Loans / Deposits87.51%67.24%80.90%93.48%64th pctl216 / 594
Loans / Assets78.15%53.31%67.71%78.15%75th pctl158 / 629
Brokered Deposits / Depositsn/aNot reported for this institution