Yampa Valley Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 11.01 percentage points higher than in Q1 2026, at 182.51%. Yampa Valley Bank ranks 28th of 63 Colorado banks on loan-to-deposit ratio, in the upper half at 87.51% (Q2 2026). Yampa Valley Bank reported 87.51% on loan-to-deposit ratio for Q2 2026, 6.67 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $537.4M |
| Net loans and leases | $529.8M |
| Loans held for sale | $0 |
| Loans to total assets | 78.15% |
| Loan-to-deposit ratio | 87.51% |
| Net loans to equity capital | 9.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.07% |
| Multifamily (5+ residential) | 3.65% |
| Commercial and industrial | 5.69% |
| Consumer | 1.02% |
| Credit cards | 0.00% |
| Farm | 4.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 306.19% |
| Construction concentration (Tier 1 capital + allowance) | 182.51% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.07% |
| Interest income on loans | $9.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $419.3M | $564.3M | 30.16% | 5.95% | 1.35% |
| Q4 2023 | $431.0M | $556.7M | 29.52% | 6.23% | 1.28% |
| Q1 2024 | $440.8M | $564.1M | 28.48% | 5.86% | 1.22% |
| Q2 2024 | $451.1M | $552.3M | 26.98% | 5.97% | 1.19% |
| Q3 2024 | $459.7M | $564.8M | 26.62% | 5.52% | 1.15% |
| Q4 2024 | $470.9M | $573.4M | 25.65% | 5.27% | 1.14% |
| Q1 2025 | $475.4M | $567.6M | 26.96% | 5.26% | 1.13% |
| Q2 2025 | $515.3M | $578.8M | 26.40% | 5.04% | 1.05% |
| Q3 2025 | $524.9M | $608.4M | 26.11% | 4.75% | 1.01% |
| Q4 2025 | $525.3M | $622.1M | 25.72% | 5.26% | 1.00% |
| Q1 2026 | $517.4M | $622.3M | 25.97% | 5.36% | 0.96% |
| Q2 2026 | $537.4M | $614.1M | 25.07% | 5.69% | 1.02% |
Yampa Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Yampa Valley Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Yampa Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35407) · FFIEC NIC profile (RSSD 2806635)