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Overview / Commentary
2799 South 4th Avenue
Yuma, AZ 85364

1st Bank Yuma is headquartered in Yuma and is the 9th largest bank in the state of Arizona. It is also the 2,799th largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 54 employees at 4 locations. 1st Bank Yuma has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 1st Bank Yuma had $1.89 million in non-current loans and owned real-estate with $22.85 million in equity and loan loss allowances on hand to cover it. This gives 1st Bank Yuma a Texas Ratio of 8.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for 1st Bank Yuma experienced no significant changes from 4.43% as of March 31, 2013 to 8.29% as of March 31, 2014, resulting in a negative change of 87.09%. This indicates that the balance sheet and financial strength for 1st Bank Yuma has had no significant changes in recent periods.

Deposit Growth


In the past year, 1st Bank Yuma has increased its total deposits by $20.65 million, resulting in 11.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Bank Yuma has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Bank Yuma has $223.29 million in assets with $22.85 million in equity, resulting in a capitalization level of 10.23%, which is above average.

Institution Statistics

FDIC Certificate #57298
Year Established2001
Primary RegulatorFDIC
Assets and Liabilities
Assets$223.29 million
Loans$139.90 million
Deposits$201.08 million
Equity Capital$21.41 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$322,000
Historic Data - March 2013
Assets$202.00 million
Equity Capital$20.93 million
Loan Loss Allowance$1.65 million
Unbacked Noncurrent Loans$1.57 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.64%
Return on Assets0.81%
Return on Equity8.08%
Interest Income$2.36 million

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1st Bank Yuma Savings Account Rates

0.25%$500k-1st Elite Savings-Personal
0.25%$500k-1st Elite Business Savings
0.05%$100-1st Select Savings (Personal)
0.05%$100-1st Select Business Savings

1st Bank Yuma Money Market Rates

0.15%$100k-1st Premium Money Market Account-Personal
0.15%$100k-1st Business Money Market Account-Business

1st Bank Yuma Checking Account Rates

3.00%-$25k1st Rate Rewards Checking - Qualifying
0.10%$5k-1st Elite Checking
0.05%$1,500-1st Executive Checking
0.05%--1st Rate Rewards Checking - Non Qualifying
0.05%$1,500-1st Business Interest Checking
0.05%--1st Exclusive Business Interest Checking
0.05%--1st Interest Analysis Checking

1st Bank Yuma CD Rates

0.80%$100k-5 Year CD
0.70%$100k-4 Year CD
0.60%$100k-3 Year CD
0.40%$100k-2 Year CD
0.30%$100k-18 Month CD
0.25%$1k-1 Year CD
0.13%$100k-180-364 Day CD
0.10%$100k-7-31 Day CD
0.10%$100k-32-89 Day CD
0.10%$100k-90-179 Day CD

1st Bank Yuma Locations
Fortuna Branch11600 South Fortuna RoadYuma, AZ 85367
Yuma Midtown Branch1690 South Fourth AvenueYuma, AZ 85364
1st Bank Yuma2799 South 4th AvenueYuma, AZ 85364
San Luis Branch645 North First AvenueSan Luis, AZ 85349