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
Unfavorable gap of $10.8M · efficiency ratio beats 83% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.92% | 0.60% | 0.98% | 1.45% | Beats 89% | 63 / 585 | | |
| Return on Equity | 16.61% | 5.86% | 9.54% | 12.76% | Beats 89% | 64 / 584 | | |
| Net Interest Margin | 4.26% | 2.90% | 3.43% | 3.93% | Beats 87% | 75 / 584 | | |
| Efficiency Ratio | 53.61% | 57.87% | 67.56% | 78.72% | Beats 83% | 100 / 584 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.06% | 0.38% | 1.05% | Beats 53% | 251 / 535 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.02% | 0.10% | Beats 49% | 276 / 535 | | |
| Capital |
| Tier 1 Capital Ratio | 20.11% | 11.47% | 13.94% | 18.44% | Beats 79% | 124 / 584 | | |
| Total Risk-Based Capital Ratio | 21.03% | 11.93% | 14.43% | 19.34% | Beats 79% | 121 / 584 | | |
| Equity / Assets | 11.54% | 8.74% | 10.51% | 13.41% | Beats 63% | 217 / 584 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.29% | 63.70% | 78.89% | 91.92% | 18th pctl | 447 / 546 | | |
| Loans / Assets | 50.25% | 55.77% | 68.46% | 77.90% | 17th pctl | 445 / 535 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 4.01% | Beats 100% | 316 / 546 | n/a | |