Bank Comparison
County Bank vs Yampa Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | County Bank | Yampa Valley Bank |
|---|---|---|
| CET1 Ratio | 18.94% | — |
| Tier 1 Capital Ratio | 18.94% | — |
| Total Capital Ratio | 19.78% | — |
| Tier 1 Leverage Ratio | 15.36% | 9.09% |
| Equity / Assets | 14.12% | 8.02% |
Profitability
| Metric | County Bank | Yampa Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 3.27% | 1.98% |
| Return on Equity (ROE) | 23.64% | 23.97% |
| Net Interest Margin (NIM) | 5.23% | 4.40% |
| Yield on Earning Assets | 6.37% | 6.16% |
| Cost of Funds | 1.31% | 1.90% |
Asset quality
| Metric | County Bank | Yampa Valley Bank |
|---|---|---|
| Texas Ratio | 1.29% | 0.75% |
| Non-Performing Loan Ratio | 0.26% | 0.09% |
| Non-Performing Asset Ratio | 0.19% | 0.07% |
| Net Charge-Off Ratio | 0.04% | 0.01% |
| ACL / Loans | 0.88% | 1.49% |
Balance sheet
| Metric | County Bank | Yampa Valley Bank |
|---|---|---|
| Total Assets | $684,818K | $684,997K |
| Total Deposits | $567,932K | $622,305K |
| Total Loans | $505,761K | $517,446K |
| Total Equity | $96,720K | $54,932K |
| Net Income (quarter) | $5,591K | $3,376K |
Liquidity & funding
| Metric | County Bank | Yampa Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.05% | 83.15% |
| Core Deposit Ratio | 91.40% | 94.37% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | County Bank | Yampa Valley Bank |
|---|---|---|
| Headquarters City | REHOBOTH BEACH | STEAMBOAT SPRINGS |
| Headquarters State | DE | CO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 89 | 76 |
| Established | July 9, 1990, midnight | March 27, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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