Yampa Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Yampa Valley Bank of Steamboat Springs, CO against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.55% | 1.34% | +1.21% | 94th top |
| ROAE | 30.82% | 13.31% | +17.51% | 98th top |
| Net Interest Margin | 4.56% | 3.93% | +0.63% | 81st top |
| Efficiency Ratio | 47.59% | 61.14% | -13.55% | 85th top |
| PPNR / Avg Assets | 2.46% | 1.68% | +0.78% | 88th top |
| Yield on Earning Assets | 6.36% | 5.67% | +0.69% | 83rd top |
| Cost of Funds | 1.95% | 1.88% | +0.07% | 40th below |
| Net Interest Spread | 3.66% | 3.32% | +0.34% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans | 1.41% | 1.28% | +0.13% | 73rd above |
| ACL / NPLs (Coverage) | 1597.68% | 1546.08% | +51.60% | — |
| Texas Ratio | 0.72% | 7.34% | -6.62% | 77th top |
| Provision / NCO | -13.64% | 1396.29% | -1409.93% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.39% | 12.14% | -2.75% | 19th bottom |
| Equity / Assets | 8.46% | 11.37% | -2.91% | 19th bottom |
| TCE / Tangible Assets | 8.46% | 11.09% | -2.63% | 23rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.51% | 80.66% | +6.85% | 34th below |
| Core Deposit Ratio | 94.35% | 86.84% | +7.51% | 81st top |
| Wholesale Funding Ratio | 1.56% | 5.04% | -3.48% | 74th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.90% | 6.84% | -1.94% | 54th above |
| Loan Growth (Y/Y) | 4.29% | 7.92% | -3.63% | 44th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.09% | 6.29% | -0.20% | 65th above |
See Yampa Valley Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Yampa Valley Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Yampa Valley Bank profile, how to read a UBPR, or how this data updates.