Yampa Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 52.42 percentage points lower than in Q1 2026, at 1597.68%. On return on assets, Yampa Valley Bank ranks 3rd highest among the 63 banks headquartered in Colorado, at 2.55% (Q2 2026). Yampa Valley Bank's return on assets of 2.55% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.29 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.39% |
| Equity capital to assets | 8.46% |
| Tangible equity to tangible assets | 8.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.72% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 1597.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.55% |
| Return on equity | 30.82% |
| Net interest margin | 4.56% |
| Efficiency ratio | 47.59% |
| Yield on earning assets | 6.36% |
| Cost of funds | 1.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.51% |
| Core deposits to total deposits | 94.35% |
| Brokered deposits to total deposits | 5.35% |
| Deposits to assets | 89.31% |
| Securities to assets | 19.58% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.07% | 11.07% | 12.32% | 8.25% | 1.34% |
| Q4 2023 | 11.27% | 11.27% | 12.52% | 8.29% | 1.19% |
| Q1 2024 | 11.41% | 11.41% | 12.66% | 8.56% | 1.41% |
| Q2 2024 | 11.20% | 11.20% | 12.46% | 8.87% | 1.65% |
| Q3 2024 | — | — | — | 9.06% | 1.85% |
| Q4 2024 | — | — | — | 9.17% | 2.10% |
| Q1 2025 | — | — | — | 9.29% | 1.86% |
| Q2 2025 | — | — | — | 9.46% | 2.38% |
| Q3 2025 | — | — | — | 9.32% | 2.23% |
| Q4 2025 | — | — | — | 9.37% | 2.44% |
| Q1 2026 | — | — | — | 9.09% | 1.98% |
| Q2 2026 | — | — | — | 9.39% | 2.55% |
Yampa Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Yampa Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)