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Letter portraitLegal landscapeQuarterYTD

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