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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 35407 · CO B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2181/4307
  • PHOTO-FINISH Twin City Bank · WA
  • TIER1-ADEQ 9.4% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-STRONG 2.24% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Colorado: Twin City Bank, WA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Yampa Valley Bank

Lowest and highest poles plus nearest scored peers outside Colorado, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Trust Bank of… · IL · …78/100Pacific Crest Bank · WA · ne…78/100Southern Illinois Bank · IL …78/100Twin City Bank · WA · near78/100Yampa Valley Bank · CO · thi…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Yampa Valley Bank · July 2026

Call Report read for Yampa Valley Bank in a high-failure state

Yampa Valley Bank (FDIC Cert #35407) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,181 of 4,307. Tier 1 capital prints at 9.37%, missing the 10% well-capitalized line. The Texas Ratio is 0.64%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.24%. Balance-sheet scale is $684M, 1,400th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Twin City Bank (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Yampa Valley Bank

10 FAILURE resolutions in Colorado since 2000, heavy vs the state corpus

Yampa Valley Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Yampa Valley Bank's current Call Report.

  • PREMIER BANK DENVER, CO 2015 → UNITED FIDELITY BANK, FSB
  • COLORADO CAPITAL BANK CASTLE ROCK, CO 2011 → FIRST-CITIZENS BANK & TRUST COMPANY
  • SIGNATURE BANK WINDSOR, CO 2011 → POINTS WEST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Colorado banks.

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.

0/100100/100National avg77/10078/100
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 Assets

$684M

Total balance-sheet footings

Total Deposits

$622M

Customer-funded liabilities

Net Loans

$518M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.97% 9.37% 10.77%
Basel III capital ratios - Yampa Valley Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Yampa Valley Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Yampa Valley Bank

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

What these ratios mean →

Earnings posture at Yampa Valley Bank

Return on Assets (ROA)
94th percentile nationally
2.24%
Return on Equity (ROE)
27.66%
Efficiency Ratio
48.71%

What these mean →

Income & expense at Yampa Valley Bank

$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.

FDIC Failed Bank List → View Yampa Valley Bank on FDIC BankFind →

Top banks in Colorado by total assets

Largest banks headquartered in Colorado
  1. 1
    FirstBank $26.5B

    Lakewood, CO · Grade A

  2. 2
    NBH Bank $9.8B

    Greenwood Village, CO · Grade A

  3. 3
    Bank of Colorado $7.7B

    Fort Collins, CO · Grade A

  4. 4
    Alpine Bank $6.9B

    Glenwood Springs, CO · Grade A

  5. 5
    First Western Trust Bank $3.2B

    Denver, CO · Grade C

Top 5 banks in Colorado ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($684M here), outside Colorado so the neighborhood is not state containment.

American Nation Bank $684M · OK The First National Bank of Sonora $684M · TX Farmers and Merchants Union Bank $683M · WI Commencement Bank $683M · WA

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.

Yampa Valley Bank Call Report profile · FDIC Failed Bank List · Colorado FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Colorado

All Colorado banks →
BankAssetsGradeROA
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%