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Overview / Commentary
600 South Lincoln Avenue
Steamboat Springs, CO 80477

Yampa Valley Bank is headquartered in Steamboat Spring and is the 42nd largest bank in the state of Colorado. It is also the 3,098th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 47 employees at 2 locations. Yampa Valley Bank has a C+ health rating.

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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 Yampa Valley Bank had $3.9 million in non-current loans and owned real-estate with $21.23 million in equity and loan loss allowances on hand to cover it. This gives Yampa Valley Bank a Texas Ratio of 18.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Yampa Valley Bank experienced no significant changes from 18.04% as of March 31, 2013 to 18.35% as of March 31, 2014, resulting in a negative change of 1.71%. This indicates that the balance sheet and financial strength for Yampa Valley Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Yampa Valley Bank has decreased its total deposits by -$5.85 million, resulting in -3.21% 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 Yampa Valley Bank has shown is below 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. Yampa Valley Bank has $196.72 million in assets with $21.23 million in equity, resulting in a capitalization level of 10.79%, which is above average.

Institution Statistics

FDIC Certificate #35407
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$196.72 million
Loans$122.45 million
Deposits$176.56 million
Equity Capital$18.23 million
Loan Loss Allowance$3.00 million
Unbacked Noncurrent Loans$3.20 million
Real Estate Owned$699,000
Historic Data - March 2013
Assets$202.78 million
Equity Capital$18.51 million
Loan Loss Allowance$2.74 million
Unbacked Noncurrent Loans$3.20 million
Real Estate Owned$716,000
Profit Margin - Quarterly
Net Interest Margin4.24%
Return on Assets1.47%
Return on Equity15.72%
Interest Income$2.02 million

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Yampa Valley Bank Savings Account Rates

0.15%$3k-Prime Savings Account
0.15%$2,500-Health Savings Account
0.15%$25-Minor Savings

Yampa Valley Bank Money Market Rates

0.25%$500k-Premier MMA
0.15%$100k-Money Market Account

Yampa Valley Bank Checking Account Rates

0.03%--Business Merit Checking Account
0.03%--Personal Merit Checking Account

Yampa Valley Bank CD Rates

1.51%$1k-60 Month Fixed Rate Certificate
1.21%$1k-48 Month Fixed Rate Certificate
0.75%$1k-36 Month Fixed Rate Certificate
0.60%$1k-24 Month Fixed Rate Certificate
0.41%$100k-1 Year Variable Prime Rate Certificate
0.25%$1k-12 Month Fixed Rate Certificate
0.20%$1k-9 Month Fixed Rate Certificate
0.15%$1k-6 Month Fixed Rate Certificate
0.10%$1k-3 Month Fixed Rate Certificate
0.05%$1k-1 Month Fixed Rate Certificate

Yampa Valley Bank IRA Rates

1.51%$100-60 Month IRA
1.21%$100-48 Month IRA
0.75%$100-36 Month IRA
0.60%$100-24 Month IRA
0.25%$100-12 Month IRA

Yampa Valley Bank Locations
Craig Branch435 Mack LaneCraig, CO 81625
Yampa Valley Bank600 South Lincoln AvenueSteamboat Springs, CO 80477