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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

$687.6MAssets
$537.4MLoans
$614.1MDeposits
$58.2MEquity
Loan mix
94%RE $478.6M5%C&I $27.8M1%Consumer $5.0MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $438.9M29%Noninterest $175.1MQ2 2025Q2 2026

NIM

5.78%Q2 ’246.15%Q2 ’256.19%Q2 ’26+18%+4%

Non-interest income vs. expense

2.25%Q2 ’242.21%Q2 ’252.28%Q2 ’26-1%+6%

Executive Summary

  • Earnings: ROA of 1.99%, up 11 bps year over year; NIM at 4.43%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.99%+11 bps YoY

Net Interest Margin (quarter, annualized)

4.43%+18 bps YoY

Efficiency Ratio (quarter, annualized)

48.17%+2 bps YoY

Tier 1 Leverage Ratio

9.39%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.76%1.94%1.55%1.99%+11 bps
Return on Equity23.46%21.65%23.20%18.84%24.19%+73 bps
Net Interest Margin4.24%4.44%4.41%4.29%4.43%+18 bps
Efficiency Ratio48.15%45.70%47.93%50.54%48.17%+2 bps
Non-Interest Burden1.86%1.80%1.94%2.02%1.97%+11 bps
Growth
Asset Growth (YoY)7.29%7.99%8.35%10.21%4.90%-239 bps
Loan Growth (YoY)14.23%14.18%11.56%8.83%4.29%-994 bps
Deposit Growth (YoY)4.80%7.73%8.48%9.65%6.09%+129 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.08%0.09%0.09%+1 bps
Net Charge-Offs / Loans-0.01%0.14%0.03%0.01%0.01%+1 bps
Allowance / Loans1.40%1.44%1.45%1.49%1.41%+1 bps
Allowance Coverage of NPLs16.9x16.2x18.3x16.5x16.0x-0.9x
Capital
Tier 1 Leverage Ratio9.46%9.32%9.37%9.09%9.39%-7 bps
Total Risk-Based Capital9.46%9.32%9.37%9.09%9.39%-7 bps
Equity / Assets7.96%8.30%8.44%8.02%8.46%+51 bps
Liquidity & Funding
Loans / Deposits89.02%86.27%84.45%83.15%87.51%-151 bps
Liquid Assets / Assets0.23%1.26%2.46%2.97%0.14%-9 bps
CRE / Total Capitaln/a445%437%441%n/an/a