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
Unfavorable gap of $13.6M · efficiency ratio beats 89% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.60% | 1.01% | 1.45% | Beats 84% | 100 / 629 | |
| Return on Equity | 20.86% | 5.38% | 9.30% | 13.28% | Beats 94% | 37 / 629 | |
| Net Interest Margin | 4.35% | 3.03% | 3.54% | 4.05% | Beats 86% | 89 / 629 | |
| Efficiency Ratio | 49.33% | 58.35% | 67.79% | 79.08% | Beats 89% | 71 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 76% | 143 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 264 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.39% | 11.24% | 13.84% | 18.77% | Beats 5% | 599 / 629 | |
| Total Risk-Based Capital Ratio | 9.39% | 11.58% | 14.43% | 19.66% | Beats 5% | 600 / 629 | |
| Equity / Assets | 8.46% | 9.09% | 10.65% | 13.80% | Beats 16% | 526 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 87.51% | 67.24% | 80.90% | 93.48% | 64th pctl | 216 / 594 | |
| Loans / Assets | 78.15% | 53.31% | 67.71% | 78.15% | 75th pctl | 158 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |