Total Assets
$684M
Total balance-sheet footings
FDIC Cert #35407 · Steamboat Springs, Colorado · Est. 2000
Yampa Valley Bank - FDIC Bank Health Profile
A community-scale look at Yampa Valley Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $684M
- Total assets
- B
- Health grade · Good
- 2.24%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
Yampa Valley Bank earns a PlainBankData health grade of B (78/100), with 9.37% Tier 1 capital, profitable at 2.24% ROA, efficient (49% cost ratio).
- #1,400
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 9.37%
- Tier 1 ratio - below the 10% well-capitalized line
- 94th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Yampa Valley Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Yampa Valley Bank's composite health score
Tier 1 Capital Ratio (9.37%) 18/40
Return on Assets (ROA) (2.24%) 25/25
Texas Ratio (0.64%) 20/20
Efficiency Ratio (48.71%) 15/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$622M
Customer-funded liabilities
Net Loans
$518M
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Yampa Valley Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Yampa Valley Bank's score of 78/100 falls in the highlighted band.
Yampa Valley Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Yampa Valley Bank's $684M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.37% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.37%
Texas Ratio
0.64%
Equity Capital
$58M
Profitability metrics
Return on Assets (ROA)
94th percentile nationally
2.24%
Return on Equity (ROE)
27.66%
Efficiency Ratio
48.71%
What the numbers say about Yampa Valley Bank
Yampa Valley Bank is an FDIC-insured institution (Certificate #35407) headquartered in Steamboat Springs, Colorado, established in 2000. It holds $684M in total assets - 1,400th of 4,313 FDIC-insured banks, $622M in customer deposits, and $518M in net loans. Looking at capital strength, Tier 1 stands at 9.37%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.64%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Colorado, Yampa Valley Bank ranks 14th of 65 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$40M
Interest Income
$2M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Yampa Valley Bank reports a Texas Ratio of 0.64% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Yampa Valley Bank (FDIC Cert #35407) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is Yampa Valley Bank's health grade?▼
Yampa Valley Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Yampa Valley Bank?▼
Yampa Valley Bank holds $684M in total assets and $622M in deposits, ranking 1,400th of 4,313 FDIC-insured banks by asset size. It is headquartered in Steamboat Springs, Colorado.
Is my money safe at Yampa Valley Bank?▼
Yes, deposits at Yampa Valley Bank (Certificate #35407) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Yampa Valley Bank's Tier 1 Capital Ratio?▼
Yampa Valley Bank has a Tier 1 Capital Ratio of 9.37%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Yampa Valley Bank?▼
Yampa Valley Bank has a Texas Ratio of 0.64%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Yampa Valley Bank?▼
Yampa Valley Bank has an Efficiency Ratio of 48.71%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Yampa Valley Bank's profile as a depositor or analyst.
- Yampa Valley Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Yampa Valley Bank against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.