BlastPoint's Banking Scorecard
Yampa Valley Bank
Community
Specialty: Commercial
CO
FDIC cert 35407
Steamboat Springs, CO
1484
banks in Community tier nationally
16 in CO
View Community leaderboard (CO) →
Yampa Valley Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 8% in Community
- + Credit Quality Leader: Top 14% in Community
- + Deposit Franchise: Top 72% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$684.4M
+8.4% YoY
+2.4% QoQ
|
-$707.0M |
$1.4B
+2.0% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$517.7M
+11.6% YoY
+0.1% QoQ
|
-$457.7M |
$975.5M
+2.4% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$622.1M
+8.5% YoY
+2.2% QoQ
|
-$542.5M |
$1.2B
+1.7% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
2.24%
+27.0% YoY
+3.5% QoQ
|
+1.08% |
1.16%
+17.2% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.45%
+14.3% YoY
+1.0% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
48.71%
-10.3% YoY
-0.6% QoQ
|
-13.93% |
62.63%
-5.3% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.08%
+227.0% YoY
-11.4% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
83.22%
+2.9% YoY
-2.1% QoQ
|
+0.16% |
83.06%
+0.3% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
31.09%
+7.8% YoY
+1.2% QoQ
|
+10.05% |
21.05%
-0.9% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+176.2% YoY
-13.4% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
85% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.34%
-11.2% YoY
+29.8% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#29 of 371 · Top 8% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.24%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#52 of 371 · Top 14% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#108 of 150 · Top 72% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
31.09%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.45%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Quality Pressure
risk
#83 of 808 · Bottom 10% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.09% · Tier avg: 21.05%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
86
86th pctile
Efficiency Ratio
Current: 48.71% · Tier avg: 62.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.22% · Tier avg: 83.06%
33
33th pctile
Total Loans
Current: $517.7M · Tier avg: $975.5M
30
30th pctile
Total Deposits
Current: $622.1M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
26
26th pctile
Total Assets
Current: $684.4M · Tier avg: $1.4B
Top Weaknesses
26
26th pctile
Total Assets
Current: $684.4M · Tier avg: $1.4B
28
28th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Deposits
Current: $622.1M · Tier avg: $1.2B
33
33th pctile
Total Loans
Current: $517.7M · Tier avg: $975.5M
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.22% · Tier avg: 83.06%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
86
86th pctile
Efficiency Ratio
Current: 48.71% · Tier avg: 62.63%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.09% · Tier avg: 21.05%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%