Young Americans 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 CET1 capital ratio: 161.36 percentage points lower than in Q1 2026, at 203.22%. Young Americans Bank has the 1st lowest return on assets of the 63 banks headquartered in Colorado, at -11.84% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Young Americans Bank reported -11.84% on return on assets in Q2 2026, 12.83 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 203.22% |
| Tier 1 risk-based capital ratio | 203.22% |
| Total risk-based capital ratio | 204.33% |
| Tier 1 leverage ratio | 11.86% |
| Equity capital to assets | 11.79% |
| Tangible equity to tangible assets | 11.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.33% |
| Allowance for credit losses to loans | 17.54% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -11.84% |
| Return on equity | -94.49% |
| Net interest margin | 3.40% |
| Efficiency ratio | 456.69% |
| Yield on earning assets | 4.16% |
| Cost of funds | 0.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.42% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.54% |
| Securities to assets | — |
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 | 430.90% | 430.90% | 432.16% | 8.03% | -5.60% |
| Q4 2023 | 535.76% | 535.76% | 537.09% | 8.00% | -6.29% |
| Q1 2024 | 654.10% | 654.10% | 655.33% | 8.53% | -8.91% |
| Q2 2024 | 490.55% | 490.55% | 491.64% | 7.59% | -10.74% |
| Q3 2024 | 161.90% | 161.90% | 162.72% | 6.84% | -12.85% |
| Q4 2024 | 245.66% | 245.66% | 246.10% | 9.68% | -8.68% |
| Q1 2025 | 328.57% | 328.57% | 329.43% | 11.20% | -12.68% |
| Q2 2025 | 529.82% | 529.82% | 531.13% | 12.16% | -12.11% |
| Q3 2025 | 404.31% | 404.31% | 405.39% | 13.55% | -14.66% |
| Q4 2025 | 465.98% | 465.98% | 467.22% | 13.99% | -14.37% |
| Q1 2026 | 364.58% | 364.58% | 365.65% | 12.65% | -11.34% |
| Q2 2026 | 203.22% | 203.22% | 204.33% | 11.86% | -11.84% |
Young Americans Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Young Americans 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 Young Americans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27010) · FFIEC NIC profile (RSSD 67254)