Young Americans Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits dropped 3.84 percentage points in Q2 2026, from 22.17% to 18.33%. It was the largest change from Q1 2026 among the key lines here. Young Americans Bank has the 2nd lowest total deposits of the 63 banks headquartered in Colorado, at $13.4M as of Q2 2026. Young Americans Bank's total deposits of $13.4M is well below the $54.2M median for banks in the < $100M asset tier, a gap of 75% (Q2 2026).
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $13.4M |
| Domestic office deposits | $13.4M |
| Foreign office deposits | — |
| Deposits to total assets | 86.54% |
| Deposits to total liabilities | 98.11% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $2.5M |
| Savings deposits | $9.8M |
| Transaction accounts to domestic deposits | 18.80% |
| Time deposits | $8K |
| Time deposits under $100k | $1.1M |
| Time deposits $100k to $250k | $0 |
| Time deposits over $250k | $0 |
| Noninterest-bearing share of deposits | 18.33% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $13.4M |
| Core deposits to total deposits | 100.00% |
| Insured deposits | — |
| Uninsured deposits | — |
| Uninsured deposits to total deposits | — |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 1.03% |
| Interest expense on deposits | $28K |
| Loans and leases to core deposits | 0.42% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|
| Q3 2023 | $18.9M | 100.00% | 0.00% | 0.08% |
| Q4 2023 | $17.2M | 100.00% | 0.00% | 0.14% |
| Q1 2024 | $16.4M | 100.00% | 0.00% | 1.86% |
| Q2 2024 | $15.8M | 100.00% | 0.00% | 1.95% |
| Q3 2024 | $17.0M | 100.00% | 0.00% | 2.05% |
| Q4 2024 | $15.3M | 100.00% | 0.00% | 2.01% |
| Q1 2025 | $14.6M | 100.00% | 0.00% | 1.83% |
| Q2 2025 | $14.0M | 100.00% | 0.00% | 1.36% |
| Q3 2025 | $13.3M | 100.00% | 0.00% | 1.45% |
| Q4 2025 | $13.3M | 100.00% | 0.00% | 1.24% |
| Q1 2026 | $14.0M | 100.00% | 0.00% | 1.17% |
| Q2 2026 | $13.4M | 100.00% | 0.00% | 1.03% |
Young Americans Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Young Americans Bank, freeSource: Call Report Schedules RC-E and RC-O, 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 Young Americans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27010) · FFIEC NIC profile (RSSD 67254)