CRA Public File

At Yampa Valley Bank, we pride ourselves on being the genuine hometown banking choice, dedicated to serving our community with excellence. Our primary goal is to ensure our customers and neighbors have access to the information they need conveniently. By making our CRA public information available online, we strive to maintain accuracy and transparency while offering easy accessibility for interested individuals to review the necessary data.

Locally owned, community invested

CRA Performance Evaluation

A copy of the bank’s most recent CRA Performance Evaluation.

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Branch Information

List of branch locations and hours of operation as of March 25, 2024.

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Opened and Closed Branches

Branches opened or closed by the bank till date.

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Services and Fee Structure

Assessment of Area Maps

Maps of each assessment area showing the boundaries and identifying the geographies contained within the area.

carbon county

colorado tricounty

moffat county

rio blanco county

routt county

Loan to Deposit Ratio

The loan-to-deposit ratio is a financial metric used by banks to measure the proportion of loans to deposits, indicating the extent to which a bank is lending out its deposits or holding them in reserve.

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Demographic data

The provided data offers a comprehensive insight into the demographic landscape and economic dynamics of various regions, encompassing factors such as family units, owner-occupied residences, minority population percentages, median family income estimates, and income levels relative to counties we operate in.

Carbon County

Routt County

Moffat County

Rio Blanco County

Performance Context

Yampa Valley Bank's Community Reinvestment Act Assessment Area Performance Context 2024 reveals a comprehensive understanding of the demographic and economic landscape across Routt, Moffat, and Rio Blanco Counties, detailing factors such as income levels, minority population percentages, and housing characteristics, alongside strategic plans for growth and market penetration constraints and opportunities within each county served.


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If you would like to receive a hard copy or other acceptable form of the information in our public file, please send us an email to or We may charge a reasonable fee not to exceed the cost of copying and mailing (if applicable).

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