Yampa Valley Bank: how it compares with its peers
Against 22 CO banks with half to twice its assets, Yampa Valley Bank's strongest measure in Q2 2026 is return on assets (2.26% vs. a 1.37% peer median). Its weakest relative measure is net interest margin (4.47% vs. 4.24%).
| Measure | Yampa Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.26% | 1.37% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.47% | 4.24% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.33% | 66.09% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $7.3M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 86.27% | 86.26% | Context |
What it means for lending operations
Its efficiency ratio of 49.33% is better than the 66.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Southwest Bank Durango, CO · $657M
- The Eastern Colorado Bank Cheyenne Wells, CO · $721M
- AMG National Trust Bank Boulder, CO · $723M
- Stockmens Bank Colorado Springs, CO · $651M
- High Plains Bank Flagler, CO · $643M
- First National Bank Colorado Las Animas, CO · $634M
Questions about Yampa Valley Bank
How big is Yampa Valley Bank?
Yampa Valley Bank, established in 2000, is headquartered in Steamboat Springs, CO. It reported $688M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Yampa Valley Bank's return on assets?
2.26% annualized in Q2 2026, against a 1.37% median for 22 CO banks with half to twice its assets, ahead of 91% of them.
What is Yampa Valley Bank's efficiency ratio?
49.33% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 66.09%, and lower is better.
Is Yampa Valley Bank growing its loans?
Net loans grew 4.3% over the year to Q2 2026, while deposits grew 6.1%.
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 CO 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.