# YOUNG AMERICANS BANK
DENVER, CO · FDIC certificate 27010 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $15.5M | |
| Deposits | $13.4M | |
| Loans and leases | $57,000 | |
| Total equity | $1.8M | |
| Loans / deposits | 0.35% (p4 of band) | 73.59% |
| Liquid assets / assets | 98.38% (p100 of band) | |
| Uninsured deposits / deposits | 3.01% (p1 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.86% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -11.53% (p0 of band) | 1.17% |
| Net interest margin | 3.36% (p24 of band) | 3.93% |
| Efficiency ratio | 455.47% (p100 of band) | |
| Noncurrent loans | 10.53% (p99 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 166.67% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $53,000 (92.98% of loans; DQ 11.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 5 | leverage <7%, capital falling |  |
| 2011-12 | 3 |  | leverage <7%, capital falling |
| 2012-03 | 4 | leverage <7% |  |
| 2012-06 | 5 | capital falling |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 3 |  | leverage <7%, capital falling |
| 2013-03 | 4 | leverage <7% |  |
| 2013-06 | 5 | capital falling |  |
| 2013-09 | 6 | uninsured deposits leaving |  |
| 2013-12 | 4 |  | capital falling, uninsured deposits leaving |
| 2014-03 | 5 | uninsured deposits leaving |  |
| 2014-06 | 4 |  | uninsured deposits leaving |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 5 | noncurrent p90 | capital falling |
| 2015-03 | 4 |  | noncurrent p90 |
| 2015-06 | 3 |  | leverage <7% |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | noncurrent p90 |  |
| 2017-03 | 3 |  | noncurrent p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 | noncurrent p90 | capital falling |
| 2020-03 | 3 |  | noncurrent p90 |
| 2020-06 | 3 |  |  |
| 2020-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 5 | leverage <7%, capital falling | noncurrent p90, reserve under noncurrent |
| 2021-03 | 3 |  | leverage <7%, capital falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | noncurrent p90 |  |
| 2022-03 | 3 |  | noncurrent p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | noncurrent p90 |  |
| 2022-12 | 6 | capital falling, deposits shrinking |  |
| 2023-03 | 4 |  | capital falling, deposits shrinking |
| 2023-06 | 3 |  | NIM <2.5% |
| 2023-09 | 5 | deposits shrinking, assets shrinking |  |
| 2023-12 | 7 | capital falling, uninsured deposits leaving |  |
| 2024-03 | 6 |  | capital falling |
| 2024-06 | 6 |  |  |
| 2024-09 | 7 | leverage <7%, capital falling | uninsured deposits leaving |
| 2024-12 | 5 |  | leverage <7%, capital falling |
| 2025-03 | 6 | uninsured deposits leaving |  |
| 2025-06 | 5 |  | noncurrent p90 |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-06 | 4 | capital falling, noncurrent p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-01-15 [Young Americans Bank names new CEO - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNc3FfQnlCeXJJWk5nSG9PTUlMd2FwNDRDTHJYbzNhUElxZEN5YXp0ai01TkZiOXJGVHhuRVF6UmdpbGtSNGRrSWxFVGlnZ1RXME54Xzd6c2tVMGNNM0tvYi0yVXpHdFNKZWpzRnFvMVhuM2cweXBDSHdjTFc3a2ZQS3FIRkh3WnhZYV9mZGpHN1RjOEZseHZiSUFuV015Vk1Ha25n?oc=5) · The Business Journals
- 2023-03-09 [Rich Martinez stepping down as president and CEO of Young Americans - villagerpublishing.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQQVBpeUdZZHIybkNlTUZSRUlMbFZVM2NHUUppRmM5cUZvc3FkSHV0cG5oRmhtcEdkRVZDYWZwc1U0bUxUZkZXendXWHZzckl2dm01OHctS2lpamxNYlBhckpia0tIR2pPNldYZW5RVDRLVEJqY0tvRmVYMnFhZExXc0N3M3U3alRMTHBwV3lwRmp1R0Z3Z3l2T3NpeDI4R2Fm?oc=5) · villagerpublishing.com
- 2012-08-03 [Young Americans Bank celebrates 25 years of financial education - The Denver Post](https://news.google.com/rss/articles/CBMipwFBVV95cUxNY09mckxlbXYwdTJmcEpCX1dmSzBqQmtyS3BwT0hveXZ5WnJRMXhZMVFvb3BFZkJZOVJwQlJoVUVlcFRiVUVHa2RBTWdIQkYydk5KT3N3SFdkSXJTYXI5Q0JWTUtmV2RNMHczUEEzaGxmV29pRmVEUEhBVl9ydmRGWTdrb250ZGlIVXRqb3ozcXhmUzZlNHJ5eEI4cjQ2SFhqaVlhWEVyNA?oc=5) · The Denver Post
- 2020-02-25 [Colorado Fifth Graders Learn Job And Life Skills At 'Young AmeriTowne' - KUNC](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOR1RtaS1HRVIyZTQya0dPRS1sbWdDZ3gzclA2LVczbHloTlpwWm1WZnRTa0lESnpFU0MwTUVJQkhKQUdSRWlKQ2xWdm5sYjZBSkZ5dVMxUG9HZGo5MEJTR2RQWG9jejJMR0lCRlhhVWk4TlYwblFzbUtnYTBhbzRYWkltOHA4MmxjUTV2UWRHbF9GQlB0UldabXFHMm5qdGlvYUpuc05ON2M?oc=5) · KUNC
- 2020-03-26 [Angela Petrucci – NBH Bank - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTFBJWTVKZUpxRU5SQzlObTBMWG9nSEY2ZklzOHR1elJ4UHlZcGI4bkNlVWpuN0dRblRRdV9fd3MyMGk3WGE4NEdsZ3NJQXIyNUdYSVEwOFJhOFVPNUE4Wm1Rak11bWl3N0dHZF92VWg4UVpWY2NqWXpiUA?oc=5) · Vanguard Law Magazine
- 2023-11-13 [Exclusive: Young Americans selects Aurora councilman as next CEO - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNcDBidGdCYV81cWFPLUNLbzhZbVM0MlowdGhsdXVlMDl1V1AwWTljdkR3MVg4RFk0MEk5RTVva2tKRHpOenF2ZVliYnNPampUNEhUbjhXYzUxMG9rMy1URGNJTktmcmJwZ2tjbjE3OUVZMUN4UjJudUpoT1pDQVB3cFk0bkhkd1BRUXNXazF6dG95cTRPcW1LWGpLeV9RZjhqdFFWb1NDejU?oc=5) · The Business Journals
- 2016-05-08 [Banking exec to lead Young Americans - The Denver Post](https://news.google.com/rss/articles/CBMigAFBVV95cUxQcjl5SmM0N3JpR21vMGxqc3JibGZwN3pEdlVYdzBoQ3lYdHMyNHRsaEsybnVhRi1EeDF1X0R4RXBOUGxkbVlRd3RocGNJRWdXTzVxZDltRk8tOGpMbkRYN2t6WldUM0JTY2cwQ1V3Tm8xRWdXVnBUb04wY1U4VWpqTQ?oc=5) · The Denver Post
- 2023-08-01 [Jack's Stands: Here's What Happened After Shark Tank - foodrepublic.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE94dUcwbXBPcm5BVWtRWlZsZXBHZGN4NkVHdHZGMDdYYld1dnpSNVU3WmNoMTBQaGpsbUJENjZfbGdMUS1McThMMC1aYnpGMTg2U0twZHp0N01ZR0NZM0VObU9kWnN3TWdJdm1BWXJfd0ZXV1k?oc=5) · foodrepublic.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27010 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "27010", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide