BlastPoint's Banking Scorecard
Young Americans Bank
Designations: ✓ Community bank
Denver, CO
2 branches across CO
Non-lending institution — comparison caveats apply
Young Americans Bank is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.
Young Americans Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 12.53% below tier average
- - Efficiency Ratio 336.07% above tier average
- - Delinquency Rate 11.29% above tier average
- - Net Interest Margin 0.55% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.5M
-4.4% YoY
-4.6% QoQ
|
-$46.9M |
$62.4M
-0.0% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.4% in tier |
| Total Loans ? |
$47K
+38.2% YoY
+42.4% QoQ
|
-$34.8M |
$34.9M
-0.6% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.7% in tier |
| Total Deposits ? |
$13.4M
-4.3% YoY
-3.9% QoQ
|
-$38.2M |
$51.6M
-0.2% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.6% in tier |
| Return on Assets ? |
-11.53%
+7.3% YoY
-1.0% QoQ
|
-12.53% |
1.00%
+3.5% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.7% in tier |
| Net Interest Margin ? |
3.36%
-14.0% YoY
-0.5% QoQ
|
-0.55% |
3.91%
+2.3% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
455.47%
+5.5% YoY
+0.3% QoQ
|
+336.07% |
119.40%
+49.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate ? | 12.77% | +11.29% |
1.48%
+31.8% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 1.2% in tier |
| Loan-to-Deposit Ratio ? |
0.35%
+44.5% YoY
+48.1% QoQ
|
-73.86% |
74.21%
+12.6% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Top 3.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.33%
+24.7% YoY
-17.3% QoQ
|
-5.16% |
23.49%
+0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? | 0.04% | -0.80% |
0.84%
+23.0% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
203.22%
-61.6% YoY
-44.3% QoQ
|
+176.09% |
27.13%
+3.0% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
Top 1.1% in tier |
| Non-Interest Income / Assets ? |
0.03%
-12.8% YoY
+162.0% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.3%
+3.6pp YoY -3.8pp QoQ |
-6.3pp | 24.6% | 23.5% | 22.2% | 30% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 8.4% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 42.8% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 33.0% | 31.3% | n/a |
| Consumer |
121.3%
+6.6pp YoY +3.1pp QoQ |
+113.6pp | 7.7% | 3.9% | 5.0% | 100% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
203.2%
-326.6pp YoY -161.4pp QoQ |
+164.5pp | 38.7% | 24.9% | 19.7% | 97% |
| Leverage Ratio |
11.9%
-0.3pp YoY -0.8pp QoQ |
-5.8pp | 17.7% | 12.5% | 12.6% | 39% |
| Total Capital Ratio |
204.3%
-326.8pp YoY -161.3pp QoQ |
+164.7pp | 39.7% | 26.1% | 20.8% | 97% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
-3 (-33.3%) YoY 0 QoQ |
-6 | 12 | 107 | 482 | 13% |
| Assets per Employee ($) |
$2.6M
+43.4% YoY -4.6% QoQ |
-$3.6M | $6.2M | $7.8M | $8.8M | 5% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 12.8% | +11.8pp | 1.0% | 0.7% | 0.4% | 99% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | 1.67x | -4.74x | 6.41x | 12.16x | 20.23x | 56% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-89.7%
+21.4pp YoY -4.3pp QoQ |
-96.1pp | 6.4% | 9.7% | 11.6% | 0% |
| Cost of Funds (YTD) |
0.8%
-0.4pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.7% | 1.7% | 17% |
| Net Income ($, YTD) |
$-914000.0
+12.1% YoY — QoQ |
-$1.2M | $317,817 | $5.4M | $40.4M | 2% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.