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Our History

Yampa Valley Bank is a truly locally owned bank serving the people of Routt and Moffat Counties. Our singular commitment to community banking is reflected in the honest and friendly service provided to all our visitors. It’s what we call Genuine Hometown Banking. It’s who we are.

The original organizing members of Yampa Valley Bank consisted of local business owners and community leaders seeking an alternative to the detached practices of the large corporate banks. Initially founded as First National Bank of Steamboat Springs, the group received its charter and opened its doors for business in March 2000 as the only locally owned bank. Five years later the first branch location was opened in Craig, Colorado operating as Moffat County National Bank. A Craig investor group facilitated the expansion and serve today as an advisory board. First National Bank of Steamboat Springs converted from a National Bank to a State-Chartered Bank in August 2008 and brought both locations under one name – Yampa Valley Bank. Most of the original organizing members remain owners/directors, fulfilling the initial intent to ‘…put the community first and strive to exceed our customers’ expectations of a locally owned bank…’ as stated in the company’s mission statement.

Today Yampa Valley Bank oversight is provided by a 15 member Board of Directors in Steamboat working in tandem with a 12 member advisory board in Craig. In total there are 72 investors with ties directly to the Yampa Valley that afford YVB a unique and unmatched knowledge of the area and its residents. Yampa Valley Bank has gained market share rapidly and consistently since March 2000, validating our belief that bank customers appreciate absolute local decision making and true local reinvestment. High bank ratings determined by multiple public bank rating companies reflect a safety and soundness that our customers can trust. Yampa Valley Bank is committed to our customers and our communities.

Employees, directors, and investors volunteer in and lead a wide variety of community activities and non-profit groups benefiting all local residents.

Community groups & events our officers and staff are involved with include the following:

  • Affiliate Partnership Council
  • Bear River Young Life
  • Boys & Girls Club of Northwest Colorado
  • CAPS (Correctional Alternative Placement Services)
  • Casey’s Pond Board of Directors
  • Catamount Ranch and Club Scholarship Committee
  • Colorado Archaeological Society
  • Colorado Bowhunters Association
  • Community Ag Alliance
  • Concordia Lutheran Church
  • Craig Moffat Economic Development Partnership
  • Emerald Mountain School Finance Committee
  • Friends of Perry Mansfield
  • Impact 100
  • Junior Achievement – Rocky Mountain
  • Kiwanis Club of Craig
  • MainStreet Steamboat
  • Memorial Hospital Board of Directors
  • Memorial Hospital Foundation Board of Directors
  • Moffat County Advocates Crisis Support Services
  • Moffat County Finance Corporation Board
  • Moffat County Little Britches Rodeo Association
  • Mountain Village Partnership
  • Northwest Colorado VNA
  • Northwest Rocky Mountain CASA
  • Routt County 4-H Livestock Sale and FFA
  • Routt County and Moffat County United Way
  • Routt to Work
  • Ski Town USA Rotary Club
  • STARS Mountain Challenge and Capital Campaign
  • Steamboat Chamber Resort Association
  • Steamboat Springs Pro Rodeo
  • Steamboat Springs Winter Sports Club
  • The Chief Theater
  • The Rotary Club of Steamboat Springs
  • Tread of Pioneers
  • Yampa Valley Autism
  • Yampa Valley Breast Cancer Awareness – Bust of Steamboat
  • Yampa Valley Construction Trades Association
  • Yampa Valley Housing Authority
  • Young Professionals Network
  • Young Tracks Pre School & Infant Care Center

Yampa Valley Bank Officers are passionate about providing the best banking experience and bring over 250 years of cumulative Banking and Lending related experience to their customer relationships. Here is list of our officer staff

Senior Management Team

  • PJ Wharton: President and CEO
  • Dave Fleming: President – Craig
  • John Piret: Senior Vice President and Chief Credit Officer
  • Lori St. Pierre: Senior Vice President and Senior Operations Officer
  • Ryan Van Ness: Vice President and Chief Lending Officer
  • Cole Hewitt: Asst. Vice President / Controller

Steamboat Officer Team

  • Lore Marvin: Vice President and Commercial Lender
  • Rebecca Moore: Vice President and Operations Officer
  • Clarice Dean: Asst. Vice President and Consumer Lender
  • Debbie Wright: Asst. Vice President and Commercial Lender
  • Cole Hewitt: Asst. Vice President / Controller
  • Nicole Stone: Asst. Vice President / Commercial Lender
  • Deana Von Almen: Asst. Vice President / Human Resources Officer
  • Jeff Boswell: Information Technology Officer
  • Whitney Fortna: Mortgage Originator

Craig Officer Team

  • Tonya Griffith: Vice President and Mortgage Lending Officer
  • Jennifer Bugay: Vice President and Operations Officer
  • Grant Roper: Vice President and Commercial Lender
  • Cathrine Blevins: Asst. Vice President and Commercial Lender
  • Ashley Kawcak: Credit Analyst and Junior Lender

Yampa Valley Bank is a Colorado State Chartered Bank which receives regulatory oversight from both the FDIC and Colorado Division of Banking. You can find additional information regarding the FDIC, our primary regulator, at www.fdic.gov, or the Colorado Division of Banking at www.dora.colorado.gov