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Overview / Commentary
928-783-3334
2799 South 4th Avenue
Yuma, AZ 85364

1st Bank Yuma is headquartered in Yuma and is the 11st largest bank in the state of Arizona. It is also the 3,062nd largest bank in the nation. It was established in 2001 and as of December of 2013, it had grown to 55 employees at 4 locations. 1st Bank Yuma has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 1st Bank Yuma had $2.14 million in non-current loans and owned real-estate with $22.47 million in equity and loan loss allowances on hand to cover it. This gives 1st Bank Yuma a Texas Ratio of 9.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for 1st Bank Yuma experienced no significant changes from 4.99% as of December 31, 2012 to 9.53% as of December 31, 2013, resulting in a negative change of 91.07%. This indicates that the balance sheet and financial strength for 1st Bank Yuma has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, 1st Bank Yuma has increased its total deposits by $6.48 million, resulting in 3.82% 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.

Capitalization

GRADE:
A

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 $198.94 million in assets with $22.47 million in equity, resulting in a capitalization level of 11.30%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57298
Year Established2001
Employees55
Primary RegulatorFDIC
Assets and Liabilities
Assets$198.94 million
Loans$137.57 million
Deposits$176.17 million
Equity Capital$21.04 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$1.59 million
Real Estate Owned$548,000
Historic Data - December 2012
Assets$196.73 million
Equity Capital$20.61 million
Loan Loss Allowance$1.62 million
Unbacked Noncurrent Loans$1.59 million
Real Estate Owned$158,000
Profit Margin - Quarterly
Net Interest Margin4.56%
Return on Assets0.94%
Return on Equity8.93%
Interest Income$8.68 million
Rates

Always verify rates and promotions with the bank or credit union. We are not 1st Bank Yuma, we are a rate comparison website and can not provide official rates or promotions.

1st Bank Yuma Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

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

1st Bank Yuma Checking Account Rates

DetailsAPYMINMAXPRODUCT
3.00%-$25k1st Rate Rewards Checking
0.10%$5k-1st Elite Checking
0.05%$1,500-1st Executive Checking
0.05%--1st Rate Rewards Checking
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

DetailsAPYMINMAXPRODUCT
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
Locations


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