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1st Bank Yuma

Yuma, AZ · Cert 57298

FDIC · 5 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=535 to 585). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

74

Q2 2024Q3 2025peer median (50)

Asset Quality

51

Q2 2024Q3 2025peer median (50)

Profitability

88

Q2 2024Q3 2025peer median (50)

Liquidity

27

Q2 2024Q3 2025peer median

Efficiency

83

Q2 2024Q3 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

1st Bank Yuma

Yuma, AZ · Cert 57298

FDIC · 5 branches

Q3 2025

$553.4MAssets
$278.1MLoans
$485.4MDeposits
$63.9MEquity
Loan mix
93%RE $254.8M7%C&I $18.5M0%Consumer $0.4MQ3 2024Q3 2025
Deposit mix
49%Interest-bearing $239.7M51%Noninterest $245.7MQ3 2024Q3 2025

NIM

4.10%Q3 ’234.67%Q3 ’244.83%Q3 ’25+7%+2%

Non-interest income vs. expense

2.52%Q3 ’232.69%Q3 ’242.76%Q3 ’25+11%-9%

Market Position · Yuma, AZ · 2025 SOD (annual) · 14.8% share · #3 of 7 inst. · $0.4B of $3.0B

14.8% Yuma
6.5% Santa Cruz

Executive Summary

  • Earnings: ROA of 1.81%, up 2 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.31% of loans (-48 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.29%, up 171 bps from a year ago.
  • Funding: loans stand at 57.29% of deposits as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

1.81%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.26%+7 bps YoY

Efficiency Ratio (YTD, annualized)

53.61%-218 bps YoY

Tier 1 Leverage Ratio

12.29%+171 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.80%1.72%1.91%1.87%1.81%+2 bps
Return on Equity21.78%20.35%20.58%19.33%17.95%-383 bps
Net Interest Margin4.19%4.25%4.00%4.08%4.26%+7 bps
Efficiency Ratio55.79%55.68%53.24%52.95%53.61%-218 bps
Non-Interest Burden2.05%2.06%1.56%1.71%1.86%-19 bps
Growth
Asset Growth (YoY)3.94%-0.69%1.47%-6.89%-4.25%-818 bps
Loan Growth (YoY)4.43%3.91%7.25%2.76%-2.10%-653 bps
Deposit Growth (YoY)1.34%-2.10%-0.18%-9.35%-6.32%-766 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.41%0.48%0.39%0.31%-48 bps
Net Charge-Offs / Loans0.01%0.14%0.01%0.02%0.02%+1 bps
Allowance / Loans1.20%1.01%1.02%1.07%1.15%-5 bps
Allowance Coverage of NPLs1.5x2.5x2.1x2.8x3.7x+2.2x
Capital
Tier 1 Leverage Ratio10.58%11.17%11.00%11.30%12.29%+171 bps
Total Risk-Based Capital19.68%18.41%18.97%19.74%21.03%+134 bps
Equity / Assets9.63%9.25%9.33%10.44%11.54%+191 bps
Liquidity & Funding
Loans / Deposits54.82%60.50%56.75%57.90%57.29%+247 bps
Liquid Assets / Assets14.71%9.56%18.80%16.62%18.06%+335 bps
CRE / Total Capitaln/an/an/an/a321%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

1st Bank Yuma

Yuma, AZ · Cert 57298 · Peer group: banks under $1B in assets (n=535-585)

FDIC · 5 branches

Q3 2025

$553.4MAssets
$278.1MLoans
$485.4MDeposits
$63.9MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 316 of 546).
  • Widest gap: net charge-offs / loans trails 51% of banks under $1B in assets (rank 276 of 535).
  • Overall: at or above the peer median on 9 of 10 directional measures.

Return on Assets

1.92%

Rank 63 of 585

Net Interest Margin

4.26%

Rank 75 of 584

Efficiency Ratio

53.61%

Rank 100 of 584

Equity / Assets

11.54%

Rank 217 of 584

Non-interest income vs. expense

$5.2M$16.0MINCOMEEXPENSE
Unfavorable gap of $10.8M · efficiency ratio beats 83% of banks under $1B in assets
Bank 53.61%Peer median 67.6%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.92%0.60%0.98%1.45%Beats 89%63 / 585
Return on Equity16.61%5.86%9.54%12.76%Beats 89%64 / 584
Net Interest Margin4.26%2.90%3.43%3.93%Beats 87%75 / 584
Efficiency Ratio53.61%57.87%67.56%78.72%Beats 83%100 / 584
Asset Quality
Nonperforming Loans / Loans0.31%0.06%0.38%1.05%Beats 53%251 / 535
Net Charge-Offs / Loans0.02%0.00%0.02%0.10%Beats 49%276 / 535
Capital
Tier 1 Capital Ratio20.11%11.47%13.94%18.44%Beats 79%124 / 584
Total Risk-Based Capital Ratio21.03%11.93%14.43%19.34%Beats 79%121 / 584
Equity / Assets11.54%8.74%10.51%13.41%Beats 63%217 / 584
Liquidity & Funding
Loans / Deposits57.29%63.70%78.89%91.92%18th pctl447 / 546
Loans / Assets50.25%55.77%68.46%77.90%17th pctl445 / 535
Brokered Deposits / Deposits0.00%n/an/a4.01%Beats 100%316 / 546