Headquartered in Denver, Colorado, Young Americans Bank is a state-chartered bank with $15.5M in total assets and $13.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1987.
Based on its Q2 2026 filing, Young Americans Bank scores 46/100, which we describe as below average. That is higher than only 7% of 546 banks with under $100 million in assets. Among 63 banks headquartered in Colorado, it ranks 63rd. Its strongest component is funding & liquidity (100/100; 0% loans-to-deposits, 3% uninsured), and its lowest is earnings (0/100; -11.53%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 26 points (72 → 46), mostly because the loan quality component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 33 |
| Q3 2024 | 30 |
| Q4 2024 | 39 |
| Q1 2025 | 49 |
| Q2 2025 | 72 |
| Q3 2025 | 57 |
| Q4 2025 | 57 |
| Q1 2026 | 73 |
| Q2 2026 | 46 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.59% |
| Q3 2024 | 6.84% |
| Q4 2024 | 9.68% |
| Q1 2025 | 11.20% |
| Q2 2025 | 12.16% |
| Q3 2025 | 13.55% |
| Q4 2025 | 13.99% |
| Q1 2026 | 12.65% |
| Q2 2026 | 11.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.03% |
| Q3 2024 | 3.13% |
| Q4 2024 | 3.57% |
| Q1 2025 | 2.33% |
| Q2 2025 | 0.00% |
| Q3 2025 | 2.22% |
| Q4 2025 | 2.38% |
| Q1 2026 | 0.00% |
| Q2 2026 | 10.53% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -9.87% |
| Q3 2024 | -10.65% |
| Q4 2024 | -10.19% |
| Q1 2025 | -12.73% |
| Q2 2025 | -12.43% |
| Q3 2025 | -13.31% |
| Q4 2025 | -13.60% |
| Q1 2026 | -11.41% |
| Q2 2026 | -11.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $15.5M | 11.86% | 10.53% | -11.53% | 0.3% |
| Q1 2026 | 73 | $16.3M | 12.65% | 0.00% | -11.41% | 0.2% |
| Q4 2025 | 57 | $15.8M | 13.99% | 2.38% | -13.60% | 0.3% |
| Q3 2025 | 57 | $15.9M | 13.55% | 2.22% | -13.31% | 0.3% |
| Q2 2025 | 72 | $16.2M | 12.16% | 0.00% | -12.43% | 0.2% |
| Q1 2025 | 49 | $16.7M | 11.20% | 2.33% | -12.73% | 0.3% |
| Q4 2024 | 39 | $17.3M | 9.68% | 3.57% | -10.19% | 0.2% |
| Q3 2024 | 30 | $18.4M | 6.84% | 3.13% | -10.65% | 0.2% |
| Q2 2024 | 33 | $17.2M | 7.59% | 3.03% | -9.87% | 0.2% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Transact Bank, National AssociationBank Denver, CO | 86 out of 100, Very strong | $6.5M | 16.3% | 0.00% | vs |
| The First National Bank of FlemingBank Fleming, CO | 69 out of 100, Moderate | $30.7M | 13.3% | 1.12% | vs |
| Champion BankBank Parker, CO | 71 out of 100, Strong | $41.7M | 39.3% | 1.01% | vs |
| Century Savings and Loan AssociationBank Trinidad, CO | 78 out of 100, Strong | $75.3M | 16.4% | 0.50% | vs |
| McClave State BankBank Mcclave, CO | 89 out of 100, Very strong | $78.9M | 14.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Young Americans Bank?
Yes. Young Americans Bank is an FDIC-insured institution (FDIC certificate #27010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 3.0% of deposits ($404K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.86%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 204.33% (benchmark: 10%).
2 locations
Branches
Young Americans Bank lists 2 offices in 2 cities. Most locations:
- Denver, CO (1)
- Lakewood, CO (1)
Identity & history
Profile
- Legal name
- Young Americans Bank
- Type
- State-chartered bank
- FDIC certificate #
- 27010
- RSSD ID
- 67254
- Primary regulator
- FDIC
- Holding company
- Young Americans Education Foundation
- Established
- August 3, 1987
- Headquarters
- 3550 E 1st Ave, Denver, CO 80206
- Website
- www.yacenter.org
- Employees
- 6
Quick answers
Young Americans Bank: common questions
Is Young Americans Bank FDIC insured?
Yes. Young Americans Bank is an FDIC-insured institution (FDIC certificate #27010). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Young Americans Bank's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Young Americans Bank ever failed?
There is no failure record for FDIC certificate #27010 in the FDIC failed bank list.
How many branches does Young Americans Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Denver
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| AMG National Trust BankBank Boulder, CO | 94 out of 100, Very strong | $722.9M | 15.4% | 0.04% | vs |
| Star Tech Federal Credit UnionCredit union Greenwood Villa, CO | 91 out of 100, Very strong | $11.1M | 22.2% | 0.38% | vs |
| Denver Fire Department Federal Credit UnionCredit union Denver, CO | 89 out of 100, Very strong | $213.5M | 14.2% | 0.09% | vs |
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Transact Bank, National AssociationBank Denver, CO | 86 out of 100, Very strong | $6.5M | 16.3% | 0.00% | vs |
| Affidian Federal Credit UnionCredit union Denver, CO | 85 out of 100, Very strong | $360.1M | 18.9% | 0.85% | vs |