Compared with Colorado
7 of 14
compared fees are above the median.
4 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
40th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Colorado median
of 14 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Yampa Valley Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Yampa Valley Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.7% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (40th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $140K in Q2 2026, 20% above the same quarter a year earlier ($117K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 14 compared published fees sit above the Colorado median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Colorado medians for fees published by banks and credit unions.
Paper Statement
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 23% from Q3 2025 to Q2 2026, to $140K. Its share of revenue, 1.7%, is below the 2.1% median for banks with $300M to $1B in assets.
$140K
Yampa Valley BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Yampa Valley Bank · $688M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Yampa Valley Bank(this institution) | Steamboat Springs, CO | $688M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BankOrion | Orion, IL | $688M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Bank | Jacinto City, TX | $690M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank | Cameron, TX | $692M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Concordia Bank & Trust Company | Vidalia, LA | $667M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Constitution Bank, National Association | Hillsboro, IL | $683M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eagle Bank | Everett, MA | $709M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Bank | Buhl, ID | $678M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Finance Factors, Ltd. | Honolulu, HI | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Bank | Burkburnett, TX | $704M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Community Bank of Central Alabama | Wetumpka, AL | $694M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings Bank | Rochester, IN | $687M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank of Livingston | Livingston, TX | $689M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank | Antlers, OK | $684M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Geddes Federal Savings and Loan Association | Syracuse, NY | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Henderson State Bank | Henderson, NE | $678M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Legacy Bank | Hinton, OK | $686M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| New Tripoli Bank | New Tripoli, PA | $674M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pennian Bank | Mifflintown, PA | $668M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PS Bank | Wyalusing, PA | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Putnam County Bank | Hurricane, WV | $704M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Springs Valley Bank & Trust Company | French Lick, IN | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Citizens National Bank of Somerset | Somerset, KY | $701M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Hardin County Bank | Savannah, TN | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Stephenson National Bank and Trust | Marinette, WI | $677M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TXN Bank | Hondo, TX | $669M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Yampa Valley Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Yampa Valley Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $140K | +$22K | +18.6% |
| Q1 2026 | $118K | +$1K | +0.9% |
| Q4 2025 | $117K | +$3K | +2.6% |
| Q3 2025 | $114K | −$3K | −2.6% |
| Q2 2025 | $117K | +$10K | +9.3% |
| Q1 2025 | $107K | −$14K | −11.6% |
| Q4 2024 | $121K | −$4K | −3.2% |
| Q3 2024 | $125K | +$8K | +6.8% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Yampa Valley Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Yampa Valley Bank by share.
Amounts from Yampa Valley Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Research Fee | $25/hr
per hour · Statement Reconciliation | $25/hr
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Fee (If open less than 90 days and no other existing accounts remain open) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research Fee | $25/hr |
| Statement Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | Statement Reconciliation | $25/hr |
| Both Web AND Paper Statements | $7Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| NSF fee charged when overdraft balance exceeds | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient Funds Fee (Returned items) | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Daily Overdraft Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Visa International Transaction Fee | 1.5%of the transaction | Not stated | None |
| Visa International Transaction Fee (audience not stated, treated as personal) | 1.5%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing – Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing – Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks (YVB Customers Only) | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Statement and Check Copies (recent 3 months) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| 15×15 (Locker Unit) | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 30×15 (Locker Unit) | $300Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Fax Submission (Customers only) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Yampa Valley Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $614.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $614.1M |
Largest competitors nearby
Local market: Routt and Moffat counties, CO, where it holds the most deposits.
| 9 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 18.3% |
| Alpine Bank | 11.8% |
| Bank of Colorado | 11.1% |
| Mountain Valley Bank | 11% |
| Zions Bancorporation, N.A. | 5.5% |
This bank holds 35.5% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.