Bank · FDIC insured
Yampa Valley Bank
Top CarrotA $687.6M bank headquartered in Steamboat Springs, CO, with 2 branches in Colorado. Best rates: CDs 4.05% and savings 2.50% APY.
Yampa Valley Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#1 of 5 in Steamboat Springs, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Yampa Valley Bank
In 2000, Yampa Valley Bank was founded as First National Bank of Steamboat Springs, expanding to Craig as Moffat County National Bank in 2005 before uniting under Yampa Valley Bank in 2008.
Yampa Valley Bank is a locally owned and operated bank serving Routt and Moffat Counties in Northwest Colorado.
The institution operates as a Colorado state-chartered bank with oversight from the FDIC and the Colorado Division of Banking.
- Headquarters
- 600 S Lincoln Ave, Steamboat Springs, CO 80487
- FDIC certificate
- 35407 ↗
Branches
2 branches in Colorado
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Colorado
2 branches
- Yampa Valley BankMain office600 S Lincoln Ave, Steamboat Springs, CO 80487Directions
- Craig Branch435 Mack Ln, Craig, CO 81625Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.39% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.09% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.26% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $88 | $81 | — |
- CapitalLeverage ratio9.39%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.09%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.26%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$88Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Yampa Valley Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.