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Overview / Commentary
110 West Market Street
Elkin, NC 28621

Yadkin Bank is headquartered in Elkin and is the 12st largest bank in the state of North Carolina. It is also the 389th largest bank in the nation. It was established in 1968 and as of March of 2014, it had grown to 494 employees at 34 locations. Yadkin Bank has a A health rating.

Reviews (3)

It Should Not Be So Difficult To Use Your Bank Account

This has to be the worst customer friendly bank I have ever dealt with. It is impossible to access your account online or over the customer service phone line. I have been told that "some customers" cannot bank online. I have called a local branch and asked for the id info for the phone line, and tried to use the info given to me by the teller and have been completely unsuccessful at just accessing the balance info over the phone. Ridiculous! If you want to bank like it's 1970 then this bank may work for you, otherwise, I would steer clear.

Faith In The NC Banking Business

I just want to know how safe my money is in the Yadkin Valley, High Country Bank, in Boone NC. How many banks are like YVB&T in NC? And, how does the High Country Bank in Boone rate?

I Love This Bank

This Is the best bank ever. Any one in the yadkin area using SunTrust or Wachovia is silly.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Yadkin Bank had $17.91 million in non-current loans and owned real-estate with $237.09 million in equity and loan loss allowances on hand to cover it. This gives Yadkin Bank a Texas Ratio of 7.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Yadkin Bank decreased dramatically from 12.75% as of March 31, 2013 to 7.55% as of March 31, 2014, resulting in a positive change of 40.74%.This indicates that the balance sheet and financial strength for Yadkin Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Yadkin Bank has decreased its total deposits by -$39.04 million, resulting in -2.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Yadkin Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Yadkin Bank has $1.81 billion in assets with $237.09 million in equity, resulting in a capitalization level of 13.10%, which is excellent.

Institution Statistics

FDIC Certificate #19861
Year Established1968
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.81 billion
Loans$1.37 billion
Deposits$1.53 billion
Equity Capital$220.57 million
Loan Loss Allowance$16.52 million
Unbacked Noncurrent Loans$15.08 million
Real Estate Owned$2.83 million
Historic Data - March 2013
Assets$1.84 billion
Equity Capital$204.29 million
Loan Loss Allowance$24.49 million
Unbacked Noncurrent Loans$15.08 million
Real Estate Owned$5.45 million
Profit Margin - Quarterly
Net Interest Margin4.04%
Return on Assets0.91%
Return on Equity7.57%
Interest Income$18.68 million

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Yadkin Bank has 34 locations. Click to view all Yadkin Bank locations.