Young Americans 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.
Yield on loans dropped 10.26 percentage points in Q2 2026, from 10.26% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Young Americans Bank has the 1st lowest loan-to-deposit ratio of the 63 banks headquartered in Colorado, at 0.42% as of Q2 2026. Against a median of 67.62% for banks in the < $100M asset tier, Young Americans Bank reported 0.42% on loan-to-deposit ratio in Q2 2026, 67.20 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57K |
| Net loans and leases | $47K |
| Loans held for sale | $0 |
| Loans to total assets | 0.37% |
| Loan-to-deposit ratio | 0.42% |
| Net loans to equity capital | 0.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 100.00% |
| Credit cards | 7.02% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 0.00% |
| Interest income on loans | $0 |
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 | $26K | $18.9M | 0.00% | 0.00% | 100.00% |
| Q4 2023 | $19K | $17.2M | 0.00% | 0.00% | 100.00% |
| Q1 2024 | $15K | $16.4M | 0.00% | 0.00% | 100.00% |
| Q2 2024 | $33K | $15.8M | 0.00% | 0.00% | 100.00% |
| Q3 2024 | $32K | $17.0M | 0.00% | 0.00% | 100.00% |
| Q4 2024 | $28K | $15.3M | 0.00% | 0.00% | 100.00% |
| Q1 2025 | $44K | $14.6M | 0.00% | 0.00% | 100.00% |
| Q2 2025 | $39K | $14.0M | 0.00% | 0.00% | 100.00% |
| Q3 2025 | $46K | $13.3M | 0.00% | 0.00% | 100.00% |
| Q4 2025 | $43K | $13.3M | 0.00% | 0.00% | 100.00% |
| Q1 2026 | $39K | $14.0M | 0.00% | 0.00% | 100.00% |
| Q2 2026 | $57K | $13.4M | 0.00% | 0.00% | 100.00% |
Young Americans Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Young Americans 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 Young Americans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27010) · FFIEC NIC profile (RSSD 67254)