Young Americans Bank
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Data as of · sourced from FFIEC call reports. How we update
Young Americans Bank is an FDIC-insured commercial bank headquartered in Denver, CO, established in 1987 (FDIC certificate 27010), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $15.5M, down 4.4% from Q2 2025, the 62nd largest of 63 banks headquartered in Colorado.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27010
- Headquarters
- Denver, CO
- Established
- 1987
- Total assets, Q2 2026
- $15.5M
- Assets vs Q2 2025
- -4.4%
- Capital ratio
- Not reported
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 102006012
- Latest call report
- Q2 2026, FFIEC 051 · Young Americans Bank call report
- Holding company
- YOUNG AMERICANS EDUCATION FOUNDATION
- Asset rank in state
- 62nd of 63 in Colorado
Problem loans are rising at Young Americans Bank. It reported $16 million in assets at June 30, 2026, down 4.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 10.53% of loans from 0.00% a year earlier. It holds common equity equal to 203.22% of its risk-weighted assets, 9.2 times the median of 22.08% for the 583 banks with less than $100 million in assets. It also grew its loan book 46.2% over the year, 18.0 times the median of 2.6% for banks its size.
It lost $457,000 in the quarter. Over the same year, loans grew 46.2% and deposits shrank 4.3%.
As of June 30, 2026, Young Americans Bank reported a CET1 capital ratio of 203.22%, a return on assets of -11.84%, a nonperforming-loan ratio of 10.53% and a Texas ratio of 0.33%. The figures come from its call report filed with the FFIEC.
Young Americans Bank ranks as the 62nd largest of the 63 banks based in Colorado, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.6% to $15.5M, loans rose 46.2% and deposits fell 3.9%. Its loan book on June 30, 2026 was led by auto loans, at 93.0% of total loans, followed by credit card loans at 7.0%. Its 2 offices in the FDIC Summary of Deposits are in Denver, CO and Lakewood, CO; its Denver office books 91% of its branch deposits. On its Q2 2026 call report, Young Americans Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3550 E 1st Ave, Denver, CO 80206
- County
- Denver
- Metro Area
- Denver-Aurora-Centennial, 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
- August 3, 1987
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $13.4M
- Allowance for credit losses
- $10K
- Net charge-offs (YTD)
- $0
- Average total assets
- $15.4M
- Average total loans
- $44K
- Average interest-bearing deposits
- $10.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 3, 1987
- FDIC Cert
- 27010
- Fed RSSD
- 67254
- Website
- www.yacenter.org →
- Parent Holding Company
- YOUNG AMERICANS EDUCATION FOUNDATION (RSSD 1840883)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Young Americans Bank's total assets ranged from $15.5M (Q2 2026) to $20.8M (Q3 2023), and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$15.5M total assets against $16.2M; $13.7M total liabilities against $14.2M.
$47K net loans and leases against $34K; $13.4M total deposits against $14.0M.
$0 securities against $0; $15.3M cash and balances due against $15.8M.
$152K total interest income against $212K; $28K total interest expense against $41K.
$124K net interest income against $171K.
$3K total noninterest income against $3K; $580K total noninterest expense against $674K.
$4K provision for credit losses against $0.
-$457K net income against -$500K.
-11.84% return on assets against -12.11%; 3.40% net interest margin against 4.39%.
203.22% CET1 capital ratio against 529.82%; 11.86% tier 1 leverage ratio against 12.16%.
Inside the full Young Americans 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Young Americans Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -14.66% (Q3 2025) to -8.68% (Q4 2024) and its net interest margin ran from 2.87% (Q4 2025) to 4.39% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 203.22% | -11.84% | 10.53% | 0.33% | 3.40% |
| Q1 2026 | 364.58% | -11.34% | 0.00% | 0.00% | 3.38% |
| Q4 2025 | 465.98% | -14.37% | 2.33% | 0.04% | 2.87% |
| Q3 2025 | 404.31% | -14.66% | 2.17% | 0.04% | 3.25% |
| Q2 2025 | 529.82% | -12.11% | 0.00% | 0.00% | 4.39% |
| Q1 2025 | 328.57% | -12.68% | 2.27% | 0.05% | 3.39% |
| Q4 2024 | 245.66% | -8.68% | 3.57% | 0.06% | 3.50% |
| Q3 2024 | 161.90% | -12.85% | 3.12% | 0.08% | 3.35% |
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 |
|---|---|---|---|
| Young Americans Bank (main office) | Denver , CO | 80206 | $12.3M |
| Belmar Branch | Lakewood , CO | 80226 | $1.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 119 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Young Americans Bank
What are Young Americans Bank's total assets?
As of the Q2 2026 filing, Young Americans Bank reported total assets of $15.5 million in its FFIEC call report.
Where is Young Americans Bank headquartered?
It is headquartered in Denver, CO, United States.
When was Young Americans Bank founded?
It was established in 1987, per the FDIC institution directory.
Is Young Americans Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Young Americans Bank?
Young Americans Bank's primary federal regulator is the FDIC.
What is Young Americans Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 203.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Young Americans 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 Young Americans Bank's Texas Ratio?
Its Texas Ratio is 0.33% 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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