| Metric | Yampa Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.9% | -0.0 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.8 pts |
| Loan growth (YoY) | +4.3% | +5.3% | -1.1 pts |
| ROA | 2.26% | 1.28% | +1.0 pts |
| ROE | 27.1% | 12.5% | +14.7 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $687.6M | $614.1M | $529.8M | $58.2M | $7.7M | 2.26% | 4.47% | 0.07% |
| Q1 2026 | $685.0M | $622.3M | $509.7M | $54.9M | $3.4M | 1.97% | 4.40% | 0.07% |
| Q4 2025 | $684.4M | $622.1M | $517.7M | $57.8M | $14.6M | 2.24% | 4.45% | 0.06% |
| Q3 2025 | $668.5M | $608.4M | $517.3M | $55.5M | $10.5M | 2.17% | 4.41% | 0.07% |
| Q2 2025 | $655.5M | $578.8M | $508.0M | $52.2M | $6.8M | 2.12% | 4.31% | 0.07% |
| Q1 2025 | $621.5M | $567.6M | $468.2M | $50.1M | $2.9M | 1.88% | 4.26% | 0.07% |
| Q4 2024 | $631.7M | $573.4M | $464.0M | $48.9M | $10.9M | 1.76% | 3.90% | 0.02% |
| Q3 2024 | $619.0M | $564.8M | $453.0M | $49.2M | $7.6M | 1.65% | 3.77% | 0.03% |
Loan mix (Q2 2026): real estate $494.5M · commercial $30.7M · consumer $5.5M · securities $134.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Yampa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 1.28% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 27.1% | 12.5% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.3% | 61.1% | 17th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Yampa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Yampa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Yampa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Yampa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Yampa Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025) · $614.1M branch deposits. Biggest market: Routt, CO, ranked 1st with 33.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Routt, CO | 1 | $437.2M | 33.22% | 1st |
| Moffat, CO | 1 | $176.9M | 42.07% | 2nd |
Colorado: 45th with 0.26% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Technology spend in line with peers (11 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).