Bank · FDIC insured
Young Americans Bank
A $15.5M bank headquartered in Denver, CO, with 2 branches in Colorado.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—3.00%CD rates →
- Savings—1.00%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Young Americans Bank
Founded in 1987 by Bill Daniels, Young Americans Bank was established to prepare youth to take charge of their financial futures.
The state-chartered institution focuses on financial education and standard banking services designed specifically for youth under 22.
- Headquarters
- 3550 E 1st Ave, Denver, CO 80206
- FDIC certificate
- 27010 ↗
Branches
2 branches in Colorado
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Colorado
2 branches
Denver area · 1
- Young Americans BankMain office3550 E 1st Ave, Denver, CO 80206Directions
Lakewood area · 1
- Belmar Branch401 S Pierce St, Lakewood, CO 80226Directions
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 | 11.86% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 10.53% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | -11.53% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $0 | $67 | — |
- CapitalLeverage ratio11.86%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent10.53%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets-11.53%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$0Peers’ middle $67
Compared with the 546 banks with under $100 million 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 Young Americans Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.