Young Americans Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Young Americans Bank of Denver, CO against its peer group of 506 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 | -11.84% | 3.14% | -14.98% | 1st bottom |
| ROAE | -94.49% | 10.34% | -104.83% | 1st bottom |
| Net Interest Margin | 3.40% | 3.94% | -0.54% | 27th below |
| Efficiency Ratio | 456.69% | 76.15% | +380.54% | 1st bottom |
| Yield on Earning Assets | 4.16% | 5.35% | -1.19% | 15th bottom |
| Cost of Funds | 0.82% | 1.70% | -0.88% | 87th top |
| Net Interest Spread | 3.13% | 3.32% | -0.19% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 17.54% | 1.48% | +16.06% | 100th top |
| Texas Ratio | 0.33% | 8.27% | -7.94% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 203.22% | 62.04% | +141.18% | 91st top |
| Tier 1 Ratio | 203.22% | 62.04% | +141.18% | 91st top |
| Total Capital Ratio | 204.33% | 63.01% | +141.32% | 91st top |
| Leverage Ratio | 11.86% | 17.65% | -5.79% | 37th below |
| Equity / Assets | 11.79% | 16.45% | -4.66% | 44th below |
| TCE / Tangible Assets | 11.79% | 16.19% | -4.40% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.42% | 72.87% | -72.45% | 97th top |
| Core Deposit Ratio | 100.00% | 88.27% | +11.73% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.39% | 4.26% | -8.65% | 13th bottom |
| Loan Growth (Y/Y) | 46.15% | 6.74% | +39.41% | 97th top |
| Deposit Growth (Y/Y) | -4.34% | 3.73% | -8.07% | 16th bottom |
See Young Americans Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Young Americans 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 Young Americans Bank profile, how to read a UBPR, or how this data updates.