Young Americans Bank: how it compares with its peers
Against 89 U.S. banks with half to twice its assets, Young Americans Bank's strongest measure in Q2 2026 is assets per employee ($2.6M vs. a $3.4M peer median). Its weakest relative measure is return on assets (-11.53% vs. 1.10%).
| Measure | Young Americans Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -11.53% | 1.10% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.36% | 3.82% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 455.47% | 80.34% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.6M | $3.4M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.35% | 63.49% | Context |
What it means for lending operations
Its efficiency ratio of 455.47% is above the 80.34% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Thrivent Trust Company Appleton, WI · $15M
- Grand Rivers Community Bank Grand Chain, IL · $15M
- Cedar Hill National Bank Charlotte, NC · $16M
Questions about Young Americans Bank
How big is Young Americans Bank?
Young Americans Bank, established in 1987, is headquartered in Denver, CO. It reported $16M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Young Americans Bank's return on assets?
-11.53% annualized in Q2 2026, against a 1.10% median for 89 U.S. banks with half to twice its assets, ahead of 4% of them.
What is Young Americans Bank's efficiency ratio?
455.47% in Q2 2026: it spent about 455 cents in noninterest expense for each dollar of revenue. The peer median is 80.34%, and lower is better.
Is Young Americans Bank growing its loans?
Net loans grew 38.2% over the year to Q2 2026, while deposits shrank 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.