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Yampa Valley Bank
Steamboat Springs, CO · FDIC Certificate #35407 · Chartered 03/2
Total assets
$687.60M
Total deposits
$614.07M
Total equity
$58.20M
Net loans
$529.78M
Branches (offices)
2
Net income (YTD)
$7.73M
Rank: #1,387 of 4,213 U.S. banks by assets · #14 of 63 in Colorado. Assets changed 4.9% and deposits 6.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.26% |
| Return on equity | 27.15% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 8.46% |
| Tier 1 leverage ratio | 9.39% |
| Uninsured deposits (share of deposits) | 12.3% |
| Noncurrent loans (share of loans) | 0.09% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 86.3% |
| Real estate loans (share of loans) | 93.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $494.46M | 93.3% | |
| Commercial & industrial | $30.68M | 5.8% | |
| Consumer / individual | $5.49M | 1.0% | |
| Construction & development | $131.09M | 24.7% | |
| Agricultural | $8.32M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $522.04M | $487.77M | $4.77M | $32.43M |
| Jun 2023 | $598.51M | $526.39M | $4.00M | $37.50M |
| Jun 2024 | $610.99M | $552.29M | $4.73M | $45.05M |
| Jun 2025 | $655.52M | $578.82M | $6.76M | $52.17M |
| Jun 2026 | $687.60M | $614.07M | $7.73M | $58.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $614.07M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $614.07M.
Similar-sized banks
Bankorion ($688.08M) · First National Bank And Trust Company Of Ardmore ($686.75M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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