# YAMPA VALLEY BANK
STEAMBOAT SPRING, CO · FDIC certificate 35407 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $687.6M | |
| Deposits | $614.1M | |
| Loans and leases | $537.4M | |
| Total equity | $58.2M | |
| Loans / deposits | 86.27% (p62 of band) | 82.04% |
| Liquid assets / assets | 21.21% (p36 of band) | |
| Uninsured deposits / deposits | 12.28% (p7 of band) | 25.97% |
| Brokered deposits | 4.78% | |
| Wholesale funding | 6.33% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.39% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -10.40% (p42 of band) | -8.10% |
| AOCI / equity | 0.16% (p86 of band) | |
| ROA (annualized) | 2.26% (p92 of band) | 1.28% |
| Net interest margin | 4.47% (p81 of band) | 3.91% |
| Efficiency ratio | 49.33% (p17 of band) | |
| Noncurrent loans | 0.09% (p22 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 1597.68% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 225.25% (p100 of band) | |
| Auto loans | $1.5M (0.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 76 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | construction >100% equity |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | charge-offs p90 |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 2 | construction >100% equity | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2014-06 | 1 |  | reserve under noncurrent, capital falling, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 4 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | uninsured deposits leaving |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2025-02-27 [Yampa Valley Bank ranked among Colorado’s top community banks - Steamboat Pilot](https://news.google.com/rss/articles/CBMingFBVV95cUxQRlo4UmJIc1VQT1RscXktY0xEM0JJTkQwM25TZHZuNDhpOEdjN01wN3BfT1k4dHZoaGNaWFJmYTRtSXhRazdQTGdQbGpZdDdyV05ORlJzenY1NUxNRUlxekU5Tk5wTlh4X0RGdkE3aGtnVUdaTDhyYjVBbC1ZNDllcEpsS055VUs4c1lveWN1VF95YWRTY2FwVnhYdHppQQ?oc=5) · Steamboat Pilot
- 2020-04-24 [Yampa Valley Bank In Steamboat Springs Processes 2 Years' Worth Of Loans In 1 Week - CBS News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNclpGVUpUdk5OSXJTQ3p3QVZVWkNzUG40WlMtckF4OWRNakdKRDhVY1NjS1pxdGhUOHhOSTlKVWRldEZZSkQ0NUJhMjRUdzVySTU2XzBHcTlMOThoSHRKMkRJMmNEQlc4Z0RjRHdKbC1QcW5kdnUtUGNfak8tWGF2aWF3STltUzh2UUo4LUZ6am54dURrQ2RHUTNrWG5aT2pUVEJibjd3RjU?oc=5) · CBS News
- 2025-09-09 [Yampa Valley Bank hosts the Field of Flags and 9/11 Never Forget Project - Steamboat Radio](https://news.google.com/rss/articles/CBMitgFBVV95cUxPUlJLbWVUT1VJSjlCSTd0bVRRNGJCU0ZuLXJfM0VBN250eVRCdDVWTEJtVFB6czhvMFNYMTFpQmVMZXBSb2VNSHlOeExvWXpUWjB0cFBTZTBSNlRHX1RzeFhCVFBuR1NUam0yWWhNeUdJcEh0ZF9ZWXVuUkNJRFNEdDBFRlVOaGNacWFJQ0pMZkRhd2hjRjVTazR4dlB6dVBjdHVxN19qLWRycTIzSmZDQk5zeWJPQQ?oc=5) · Steamboat Radio
- 2018-12-14 [Best of the Boat bank: Yampa Valley Bank - Steamboat Pilot](https://news.google.com/rss/articles/CBMiggFBVV95cUxNMllEbnpwSTRXbFowOEdOVU4yLVZkeVFsS1g5bWZaTVNPZ050bmZUQnRWaXBySl9jSk83V2xzWlF4Uk0tTGd4RUpfM05zSTdlQzB5dmZ3WTlzSWg1RUdhM2cwRzNtWXg2OHRhWFphZ1J0c3hJcEFiTGxUNkxLaUo0cENB?oc=5) · Steamboat Pilot
- 2025-10-07 [Community Health Benefit Fund distributes AEDs - UCHealth](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNSjNIQ3U5cFlXUVRic2tiV1o1Y3ZLRmVSQlNKeURZd2J6RThEUGR0MU1vVi11SjFDQ1dRaGs2YWw1bl8xaWhnb0V5M1NVYWlkb09PcWR5X3BIRXpBbzNkekstNHBmYUNEZnZqX0hmeVpaUGtET3pheEVDU3FoVFB0MXVycWUtdXFtQ3JQbE83NE9KZWVKOXI4X1NxRmE3MlE4SjZzMnRWRnc?oc=5) · UCHealth
- 2022-02-24 [Chamber recognizes 5 for annual awards - CraigDailyPress.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOWjl2VjRxeTM0c0VfMWZPMEsxYzJPT3Y2UXNFZ0FsTGtNTHJYZ1ctSkJzd25PeDZXVTJuc3RPNkNWa0tWaWw0dUMzcEx4VEtpakFGQVZKRHB5QUtSMWpYdVNIcGF4akI2NHRyS1N6cGxBWmI4clBuVExSUDBiY1gzM0tB?oc=5) · CraigDailyPress.com
- 2021-02-13 [Yampa Valley Bank sees increase in fraudulent reports, especially since pandemic onset - Steamboat Pilot](https://news.google.com/rss/articles/CBMivwFBVV95cUxPVTJjLTliek9YVURtQnF3YWJOX2pYY0ZiYXJzUnJYN3Z0S09oai1VQ2l1QmRnSzRGclpLbTJjQnc5OVFzUXkyVUlVS1Q1WnFzMUhRdlpacVRPaTdmZUV6dUxtaGM1RzhyNEF3MHd5T2xGV1I3dUUwOEp1RG9JMmplN2dKMG9EM0hlZzlMOUFBcWpWelBkUHZySUpTRV9VUDdqTDBxWGY2UHA4M0x0TXZfUWxIS2FxWlJTcVZPdGZhQQ?oc=5) · Steamboat Pilot
- 2023-06-19 [Glenn Case Obituary (2023) - Steamboat Springs, CO - Yampa Valley Funeral Home - Steamboat Springs - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1FeE1mVjZWdE9vWUFwNi05dDJNaWZyZWRlMER1emtTejRaWEtoT05GX3VNUmtFdjBQMUhXS0lyZGpGdE5Yc3VYSVpkRGJLRnp6Ny1fUGR0MlNRbjZ2eWN4ZFRPNzJrZmVzcW1oRXk1cU5vT1V0YUlUaG1nZjZadw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35407 (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/15.json (key "35407", 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.

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