TellerScore

Yampa Valley Bank (FDIC certificate #35407) is based in Steamboat Springs, Colorado. Its Q2 2026 call report shows $687.6M in total assets and $614.1M in deposits and 2 offices.

Yampa Valley Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 17th. Earnings contributes the most (100/100, 2.26%); capital cushion contributes the least (44/100, 9.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.39%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 86.3% · 12.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.72%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202477
Q1 202578
Q2 202578
Q3 202578
Q4 202579
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%7.23%9.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.87%
Q3 20249.06%
Q4 20249.17%
Q1 20259.29%
Q2 20259.46%
Q3 20259.32%
Q4 20259.37%
Q1 20269.09%
Q2 20269.39%
Noncurrent loans
0.02%0.06%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.02%
Q1 20250.09%
Q2 20250.08%
Q3 20250.09%
Q4 20250.08%
Q1 20260.09%
Q2 20260.09%
Return on assets
1.54%1.90%2.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.54%
Q3 20241.65%
Q4 20241.76%
Q1 20251.88%
Q2 20252.12%
Q3 20252.17%
Q4 20252.24%
Q1 20261.97%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$687.6M9.39%0.09%2.26%86.3%
Q1 202678$685.0M9.09%0.09%1.97%81.9%
Q4 202579$684.4M9.37%0.08%2.24%83.2%
Q3 202578$668.5M9.32%0.09%2.17%85.0%
Q2 202578$655.5M9.46%0.08%2.12%87.8%
Q1 202578$621.5M9.29%0.09%1.88%82.5%
Q4 202477$631.7M9.17%0.02%1.76%80.9%
Q3 202476$619.0M9.06%0.04%1.65%80.2%
Q2 202475$611.0M8.87%0.04%1.54%80.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.39%
19th
Total risk-based capital0.00%
24th
Problem loans0.09%
75th
Net charge-offs0.01%
48th
Return on assets2.26%
92nd
Net interest margin4.47%
79th
Efficiency ratio49.3%
84th
Loans to deposits86.3%
35th
Uninsured deposits12.3%
89th
Loan-loss reserves1.41%
73rd
Texas ratio0.7%
74th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
First Southwest BankBank Durango, CO86 out of 100, Very strong$657.5M15.3%0.04%vs
The Eastern Colorado BankBank Cheyenne Wells, CO77 out of 100, Strong$720.9M11.3%0.00%vs
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
Stockmens BankBank Colorado Springs, CO75 out of 100, Strong$650.8M10.6%0.18%vs
High Plains BankBank Flagler, CO74 out of 100, Strong$643.1M9.6%0.70%vs
First National Bank ColoradoBank Las Animas, CO85 out of 100, Very strong$634.3M11.8%0.00%vs

Deposit insurance

Is my money safe at Yampa Valley Bank?

Yes. Yampa Valley Bank is an FDIC-insured institution (FDIC certificate #35407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.3% of deposits ($75.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Yampa Valley Bank lists 2 offices in 2 cities. Most locations:

  • Craig, CO (1)
  • Steamboat Springs, CO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Yampa Valley Bank
Former names
First National Bank of Steamboat Springs
Type
State-chartered bank
FDIC certificate #
35407
RSSD ID
2806635
Primary regulator
FDIC
Holding company
Routt County Bcorp Inc
Established
March 27, 2000
Headquarters
600 S Lincoln Ave, Steamboat Springs, CO 80487
Employees
76

Quick answers

Yampa Valley Bank: common questions

Is Yampa Valley Bank FDIC insured?

Yes. Yampa Valley Bank is an FDIC-insured institution (FDIC certificate #35407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Yampa Valley Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Yampa Valley Bank ever failed?

There is no failure record for FDIC certificate #35407 in the FDIC failed bank list.

How many branches does Yampa Valley Bank have?

2 offices as of the latest FDIC data.

Nearby

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Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
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BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs