The Flanigan family, like many in the picturesque Yampa Valley, embodies the spirit of Steamboat Springs. Gardner and Millie, who met on ski patrol, have built their lives and raised their two children, Bodie and Marrot, in this vibrant community for over two decades. Their story, a relatable tale of family life in Steamboat, took an unexpected turn in August 2016, resonating deeply throughout the valley and highlighting the invaluable role of community support, especially from institutions like Yampa Valley Bank.
Returning from a family trip, the Flanigans received devastating news: their home had been consumed by fire. “There’s nothing left of your house,” the voice on the phone delivered, a phrase Gardner initially struggled to comprehend. The reality was stark – everything was gone, including their beloved dog, Lola. As they made the heart-wrenching journey home, the Flanigans were met not with despair, but with an outpouring of support that would redefine their understanding of community.
Even before they arrived back in Steamboat Springs, the community rallied. Friends were waiting with open arms and essential supplies. A GoFundMe campaign sprang up instantaneously. Lemonade stands popped up, kids donating their pocket money – gestures both big and small flooded in, a testament to the valley’s close-knit nature. Millie recalls, “One of the things that really touched me the most was there were these kids who would have lemonade stands and be out there with a big sign that said, ‘For the Flanigans’.”
However, the initial shock gave way to the daunting reality of rebuilding. The Flanigans were underinsured, and the prospect of constructing a new home in Steamboat Springs, while replacing everything lost, felt overwhelming. “We were worried that we might not be able to build a home,” Millie admits, “We really had a moment where the numbers didn’t add up.” It was during this moment of uncertainty that they turned to PJ Wharton, President and CEO of Yampa Valley Bank.
Despite not being previous customers, the Flanigans found a kindred spirit in PJ and Yampa Valley Bank. PJ had already reached out after the fire, offering help, demonstrating the bank’s commitment extends beyond transactions. For Yampa Valley Bank, community banking is personal. PJ explains, “…in a case like this it is about the people and doing the right thing,” emphasizing that sometimes, the human element outweighs pure financial ratios.
In their meeting with PJ, the Flanigans laid bare their situation and their dream of rebuilding. Millie remembers the pivotal moment: “He said, ‘Great! Let’s do it.’ He did not say, ‘Well, we’ll try.’ He just said ‘We’re in.’” This immediate commitment from Yampa Valley Bank was transformative. Their biggest fear – the inability to rebuild – began to dissipate.
Yampa Valley Bank didn’t just offer a construction loan; they offered guidance and partnership. PJ recalls, “We really, frankly, counseled them through the process… we’ll get you there.” This hands-on approach, deeply rooted in community values, is what PJ is most proud of. He highlights that Yampa Valley Bank’s board and investors share this ethos: “It’s time to do the right thing.”
Gardner emphasizes the distinct nature of Yampa Valley Bank: “I think there’s a genuine concern and motivation for them to help grow this community and that it’s more than transactional.” It’s this genuine care for Steamboat Springs and its residents that sets Yampa Valley Bank apart from larger, impersonal institutions.
Reflecting on their journey, Millie wouldn’t trade the experience, despite the tragedy. Her son Bodie’s words during their first Christmas in their rebuilt home encapsulate the profound lesson learned: “‘It’s been amazing… I’ve learned so much about what it means to take care of people. We’ve been so taken care of.'” The fire, initially a tragedy, became a catalyst for deeper community bonds, reinforcing the paramount importance of relationships. Millie concludes, “We didn’t build this house, the community built this house. Yampa Valley Bank, in particular, represents that community.” Their story stands as a powerful testament to the spirit of the Yampa Valley and the unwavering support of its community bank.
