BlastPoint's Banking Scorecard

Yampa Valley Bank

$100M-$1B Specialty: Commercial CO FDIC cert 35407

Steamboat Springs, CO

2 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits +6.1% year over year ($614.1M on the books).
Delinquency rate 0.09%.
Return on assets 2.26%.
Efficiency ratio 49.33% vs a 64.48% peer average.
Loan-to-deposit ratio 86.27% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

Yampa Valley Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 5.3% in tier
+ Profitability Leader: Top 41.5% in tier
+ Net Interest Margin 0.49% above tier average
+ Efficiency Ratio 15.14% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.3% in tier
- Credit Risk Growth: Bottom 8.1% in tier
- Capital Thin: Bottom 29.5% in tier

Get updates when Yampa Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$687.6M +4.9% YoY +0.4% QoQ	+$301.0M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	Top 13.1% in tier
Total Loans ?	$529.8M +4.3% YoY +3.9% QoQ	+$271.4M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	Top 9.2% in tier
Total Deposits ?	$614.1M +6.1% YoY -1.3% QoQ	+$287.3M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	Top 11.3% in tier
Return on Assets ?	2.26% +6.2% YoY +14.4% QoQ	+0.93%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Top 7.8% in tier
Net Interest Margin ?	4.47% +3.8% YoY +1.8% QoQ	+0.49%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	49.33% -2.9% YoY -2.4% QoQ	-15.14%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	85%
Delinquency Rate ?	0.09% +6.2% YoY -2.1% QoQ	-0.83%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	86.27% -1.7% YoY +5.3% QoQ	+8.32%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	28.52% -6.5% YoY +0.2% QoQ	+6.49%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.07% +5.6% YoY +1.3% QoQ	-0.60%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	9.39% -0.8% YoY +3.3% QoQ	-6.52%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	Bottom 4.0% in tier
Non-Interest Income / Assets ?	0.15% -6.8% YoY +104.3% QoQ	-0.41%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	35%

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	28.5% -2.0pp YoY 0.0pp QoQ	+6.4pp	22.1%	23.5%	22.2%	77%
Brokered Deposits	5.3% +1.5pp YoY +0.1pp QoQ	-2.5pp	7.9%	7.4%	8.5%	55%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	5.8% +0.7pp YoY +0.3pp QoQ	-5.8pp	11.6%	8.4%	12.5%	25%
CRE	54.0% +1.1pp YoY +0.3pp QoQ	+14.4pp	39.5%	42.8%	41.4%	76%
1-4 Family	34.7% +1.4pp YoY -0.7pp QoQ	+2.0pp	32.6%	33.0%	31.3%	61%
Consumer	1.0% 0.0pp YoY +0.1pp QoQ	-3.1pp	4.1%	3.9%	5.0%	29%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	24.9%	19.7%	n/a
Leverage Ratio	9.4% -0.1pp YoY +0.3pp QoQ	-2.8pp	12.2%	12.5%	12.6%	19%
Total Capital Ratio	n/a	n/a	19.9%	26.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	76 +5 (+7.0%) YoY 0 QoQ	+17	58	107	482	75%
Assets per Employee ($)	$9.0M -2.0% YoY +0.4% QoQ	+$1.5M	$7.5M	$7.8M	$8.8M	80%
Branch Count	2 0 YoY 0 QoQ	-3	4	7	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.7%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	17%
Allowance Coverage	15.98x -5.3% YoY -3.2% QoQ	-8.18x	24.15x	12.16x	20.23x	87%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	43%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	27.1% +0.3pp YoY +3.2pp QoQ	+15.0pp	12.2%	9.7%	11.6%	97%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	57%
Net Income ($, YTD)	$7.7M +14.4% YoY — QoQ	+$5.2M	$2.6M	$5.4M	$40.4M	97%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth

#36 of 659 • Top 5.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Profitability Leader

growth

#275 of 661 • Top 41.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.26%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#68 of 1256 • Bottom 5.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.09%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#77 of 936 • Bottom 8.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk

#196 of 661 • Bottom 29.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.39%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (9 metrics)

207

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.32%

#207 of 2643 Top 7.8% in $100M-$1B

243

Total Loans

size

Value: $529.78M

Peer Median: $258.35M

#243 of 2643 Top 9.2% in $100M-$1B

299

Total Deposits

size

Value: $614.07M

Peer Median: $326.73M

#299 of 2643 Top 11.3% in $100M-$1B

346

Total Assets

size

Value: $687.60M

Peer Median: $386.57M

#346 of 2643 Top 13.1% in $100M-$1B

410

Efficiency Ratio

profitability

Value: 49.33%

Peer Median: 64.48%

#410 of 2643 Top 15.5% in $100M-$1B

562

Net Interest Margin

profitability

Value: 4.47%

Peer Median: 3.99%

#562 of 2643 Top 21.2% in $100M-$1B

595

Non-Interest-Bearing Deposit Share

funding

Value: 28.52%

Peer Median: 22.03%

#595 of 2643 Top 22.5% in $100M-$1B

643

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#643 of 2643 Top 24.3% in $100M-$1B

650

Delinquency Rate

credit_quality

Value: 0.09%

Peer Median: 0.92%

#650 of 2633 Top 24.6% in $100M-$1B

Top Weaknesses (1 metrics)

2537

Tier 1 Capital Ratio

capital

Value: 9.39%

Peer Median: 15.91%

#2537 of 2643 Bottom 4.0% in $100M-$1B