BlastPoint's Banking Scorecard
Young Americans Bank
Micro
Specialty: Other
CO
FDIC cert 27010
Designations: ✓ Community bank
Denver, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Young Americans Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.14% above tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.8M
-8.7% YoY
-0.6% QoQ
|
-$201.7M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$36K
+44.0% YoY
-7.7% QoQ
|
-$139.1M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$13.3M
-13.4% YoY
-0.5% QoQ
|
-$170.4M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-13.60%
-33.5% YoY
-2.2% QoQ
|
-14.69% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
3.52%
+9.8% YoY
-5.4% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
499.82%
+18.3% YoY
+6.2% QoQ
|
+432.09% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
2.78%
-30.6% YoY
+8.3% QoQ
|
+2.14% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
0.27%
+66.2% YoY
-7.2% QoQ
|
-74.26% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
17.24%
-11.0% YoY
+38.8% QoQ
|
-5.15% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.01%
+9.5% YoY
+0.7% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
465.98%
+89.7% YoY
+15.3% QoQ
|
+457.12% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.08%
-17.9% YoY
+34.2% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.78%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.24% · Tier avg: 22.39%
8
8th pctile
Delinquency Rate
Current: 2.78% · Tier avg: 0.64%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
1
1th pctile
Total Deposits
Current: $13.3M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $36K · Tier avg: $139.2M
1
1th pctile
Total Assets
Current: $15.8M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $15.8M · Tier avg: $217.5M
1
1th pctile
Total Loans
Current: $36K · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $13.3M · Tier avg: $183.7M
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
8
8th pctile
Delinquency Rate
Current: 2.78% · Tier avg: 0.64%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.24% · Tier avg: 22.39%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%