Yampa Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Yampa Valley Bank is an FDIC-insured commercial bank headquartered in Steamboat Springs, CO, established in 2000 (FDIC certificate 35407), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $687.6M, up 4.9% from Q2 2025, the 14th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35407
- Headquarters
- Steamboat Springs, CO
- Established
- 2000
- Total assets, Q2 2026
- $687.6M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 9.39%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 102106705
- Latest call report
- Q2 2026, FFIEC 051 · Yampa Valley Bank call report
- Holding company
- ROUTT COUNTY BANCORPORATION, INC.
- Asset rank in state
- 14th of 63 in Colorado
Yampa Valley Bank is one of the more profitable banks of its size. It reported $688 million in assets at June 30, 2026, up 4.9% from a year earlier. It earns about $2.55 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for banks its size. Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Net income for the quarter rose 14% from a year earlier, to $4.4 million. Delinquency has appeared in its $69 million non-owner-occupied commercial real estate book: 0.57% of those loans are past due or on nonaccrual, against almost none a year earlier. Where it has less room is capital: it funds 9.39% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Yampa Valley Bank reported a return on assets of 2.55%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.72%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, Yampa Valley Bank is the 14th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $687.6M, loans rose 3.9% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 34.2% of total loans, ahead of construction and land development loans at 24.4%. Its 2 offices in the FDIC Summary of Deposits are in Steamboat Springs, CO and Craig, CO; its Steamboat Springs office books 71% of its branch deposits. By the capital ratios in its Q2 2026 call report, Yampa Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 600 S Lincoln Ave, Steamboat Springs, CO 80487
- County
- Routt
- Metro Area
- Steamboat Springs, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 27, 2000
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 76
- Domestic deposits
- $614.1M
- Allowance for credit losses
- $7.6M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $683.9M
- Average total loans
- $525.3M
- Average interest-bearing deposits
- $434.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 27, 2000
- FDIC Cert
- 35407
- Fed RSSD
- 2806635
- SEC CIK
- 1529670 → filed by ROUTT COUNTY BANCORPORATION, INC.
- Website
- www.yampavalleybank.com →
- Parent Holding Company
- ROUTT COUNTY BANCORPORATION, INC. (RSSD 2942869)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Yampa Valley Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Yampa Valley Bank's total assets moved between a low of $611.0M (Q2 2024) and a high of $687.6M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$687.6M total assets against $655.5M; $629.4M total liabilities against $603.4M.
$529.8M net loans and leases against $508.0M; $614.1M total deposits against $578.8M.
$134.6M securities against $126.3M; $11.2M cash and balances due against $9.0M.
$10.6M total interest income against $9.9M; $3.0M total interest expense against $3.1M.
$7.6M net interest income against $6.8M.
$534K total noninterest income against $573K; $3.9M total noninterest expense against $3.6M.
-$383K provision for credit losses against -$14K.
$4.4M net income against $3.8M.
2.55% return on assets against 2.38%; 4.56% net interest margin against 4.38%.
9.39% tier 1 leverage ratio against 9.46%.
Inside the full Yampa Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Yampa Valley Bank rankings
Its closest position to the top of a national ranking is 155 of 3,611, for ROA; its furthest is 2,849 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.85% (Q3 2024) to 2.55% (Q2 2026) and its net interest margin ran from 4.12% (Q3 2024) to 4.57% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.39% | 2.55% | 0.09% | 0.72% | 4.56% |
| Q1 2026 | 9.09% | 1.98% | 0.09% | 0.75% | 4.40% |
| Q4 2025 | 9.37% | 2.44% | 0.08% | 0.64% | 4.53% |
| Q3 2025 | 9.32% | 2.23% | 0.09% | 0.74% | 4.57% |
| Q2 2025 | 9.46% | 2.38% | 0.08% | 0.72% | 4.38% |
| Q1 2025 | 9.29% | 1.86% | 0.09% | 0.78% | 4.21% |
| Q4 2024 | 9.17% | 2.10% | 0.02% | 0.25% | 4.25% |
| Q3 2024 | 9.06% | 1.85% | 0.04% | 0.29% | 4.12% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Yampa Valley Bank (main office) | Steamboat Springs , CO | 80487 | $437.2M |
| Craig Branch | Craig , CO | 81625 | $176.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- November 30, 1998, OCC: Formal Agreement: Yampa Valley National Bank
- Period: Most recent institution action November 30, 1998. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in CO, rank 31 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Yampa Valley Bank
What are Yampa Valley Bank's total assets?
As of the Q2 2026 filing, Yampa Valley Bank reported total assets of $687.6 million in its FFIEC call report.
Where is Yampa Valley Bank headquartered?
It is headquartered in Steamboat Springs, CO, United States.
When was Yampa Valley Bank founded?
It was established in 2000, per the FDIC institution directory.
Is Yampa Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Yampa Valley Bank?
Yampa Valley Bank's primary federal regulator is the FDIC.
How many branches does Yampa Valley Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Yampa Valley Bank's Texas Ratio?
Its Texas Ratio is 0.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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