Yampa Valley Bank

600 South Lincoln Avenue
Steamboat Springs, CO 80477

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35407
Date Established 2000
Assets $0.31 billion
Loans $0.25 billion
Deposits $0.28 billion
Capital $0.03 billion

Yampa Valley Bank is an FDIC insured institution located in Steamboat Springs, CO. It was founded in 2000 and has approximately $0.31 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Yampa Valley Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $2,000 $9,999 Learn MoreShow Less
Money Market
0.50% $10,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.35% $1 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.85% $1,000 - Learn MoreShow Less
6 Mo CD
0.95% $1,000 - Learn MoreShow Less
12 Mo CD
1.82% $1,000 - Learn MoreShow Less
24 Mo CD
1.92% $1,000 - Learn MoreShow Less
36 Mo CD
2.02% $1,000 - Learn MoreShow Less
48 Mo CD
2.17% $1,000 - Learn MoreShow Less
60 Mo CD
2.33% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.82% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $999 Learn MoreShow Less
Int Ckg
0.15% $1,000 $9,999 Learn MoreShow Less

Loan Rates - September 15, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Yampa Valley Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Yampa Valley Bank
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Branches

Yampa Valley Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Yampa Valley Bank Locations


Financial Details

Yampa Valley Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Yampa Valley Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Yampa Valley Bank U.S. Bank Average
5% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Yampa Valley Bank had $1,703,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,460,000 in equity and $4,595,000 in loans loss reserves. That gives it a Texas Ratio of 5%.

Return on Equity
Yampa Valley Bank U.S. Bank Average
23.91% 9.47%

Yampa Valley Bank has a Return on Equity of 23.91% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Yampa Valley Bank U.S. Bank Average
9.36% 12.49%

Yampa Valley Bank has a Capitalization of 9.36% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Yampa Valley Bank Balance Sheet Analysis

As of March 31, 2019, Yampa Valley Bank had assets of $314,843,000, loans of $249,643,000, and deposits of $284,210,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.25 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.29 billion
LIABILITIES
Total deposits $0.28 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.28 billion
      % insured (estimated) 84.60%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.29 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Yampa Valley Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Colorado, Yampa Valley Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.68
Multifamily
Mortgages
2.72
Credit Card Loans 0.00
Consumer Auto Loans 0.40
Small Business Loans 0.00
Construction and Development Loans 20.34
Commercial Real Estate 32.88
Commercial and Industrial Loans 9.25
Farm Loans 1.40

Frequently Asked Questions About Yampa Valley Bank

Branches and Savings

Is Yampa Valley Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35407.

Why does Yampa Valley Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Yampa Valley Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Yampa Valley Bank a commercial bank?

Yes

Where are Yampa Valley Bank locations?

See branch locations nearby.

Is Yampa Valley Bank open on Saturdays?

Is Yampa Valley Bank open on Sundays?

What time does Yampa Valley Bank open?

What time does Yampa Valley Bank close?

Are Yampa Valley Bank ATMs Open 24/7?

Do Yampa Valley Bank ATMs accept cash deposits?

Can Yampa Valley Bank customers use other ATMs?

Do Yampa Valley Bank branches have notaries?

Will Yampa Valley Bank notarize my document?

What address for Yampa Valley Bank should I put for incoming ACH transfers?

Will the Yampa Valley Bank branch print checks?

Do Yampa Valley Bank checks expire?

Does Yampa Valley Bank require US citizenship to open account?

Can Yampa Valley Bank close my account?

Does Yampa Valley Bank Report to credit bureaus?

Does Yampa Valley Bank Use Equifax?

What is Yampa Valley Bank's ACH Routing Number?

What is Yampa Valley Bank's SWIFT code?

Products

Does Yampa Valley Bank offer mortgages?

Compare mortgage rates here.

Does Yampa Valley Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Yampa Valley Bank offer personal loans?

Compare personal loan rates here.

Does Yampa Valley Bank offer student loans?

Will Yampa Valley Bank cash a check?

Will Yampa Valley Bank redeem a savings bond?

Does Yampa Valley Bank cash savings bonds?

Will Yampa Valley Bank cash money orders?

Can Yampa Valley Bank issue a money order?

Does Yampa Valley Bank do currency exchange?

Background on The Bank

Who owns Yampa Valley Bank?

How long has Yampa Valley Bank been around?

Can Yampa Valley Bank transfer to other banks?

Does Yampa Valley Bank have quick pay?

Does Yampa Valley Bank accept rolled coins?

Will Yampa Valley Bank accept loose change?

Where is Yampa Valley Bank headquarters?

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