Yampa Valley Bank

Yampa Valley Bank is headquartered in Steamboat Spring and is the 44^th largest bank in the state of Colorado. It is also the 3,323^rd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 45 employees at 2 locations. Yampa Valley Bank has a 4-star health rating.

Yampa Valley Bank Routing Number: 102106705

Yampa Valley Bank Checking Account Rates

Yampa Valley Bank Savings Account Rates

Yampa Valley Bank Money Market Rates

Yampa Valley Bank CD Rates

Yampa Valley Bank IRA Rates

Data for Q1 2012

Institution Statistics Yampa Valley Bank FDIC Certificate # 35407 BankRate Report View Year Established 2000 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $184.28 million Loans $101.73 million Deposits $162.03 million Equity Capital $16.58 million Loan Loss Allowance $2.80 million Unbacked Noncurrent Loans $4.42 million Real Estate Owned $467,000 Historic Data - March 2011 Assets $172.21 million Equity Capital $14.26 million Loan Loss Allowance $1.89 million Unbacked Noncurrent Loans $1.83 million Real Estate Owned $431,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.64% Return on Equity 6.97% Interest Income $1.96 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Yampa Valley Bank had $4.89 million in non-current loans and owned real-estate with $19.38 million in equity and loan loss allowances on hand to cover it. This gives Yampa Valley Bank a Texas Ratio of 25.23% which is 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 increased slightly from 14.00% as of March 31, 2011 to 25.23% as of March 31, 2012, resulting in a negative change of 80.17%. This indicates that the balance sheet and financial strength for Yampa Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, Yampa Valley Bank has increased its total deposits by $14.98 million, resulting in 10.19% 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 excellent. Capitalization 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 $184.28 million in assets with $19.38 million in equity, resulting in a capitalization level of 10.52%, which is above average.

No reviews have been left for this bank yet. Be the first to review.