Yuma, AZ · Cert 57298
FDIC · 5 branches
Q3 2025
Market Position · Yuma, AZ · 2025 SOD (annual) · 14.8% share · #3 of 7 inst. · $0.4B of $3.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.50% | 1.91% | 1.79% | 1.69% | -7 bps | |
| Return on Equity | 20.09% | 15.86% | 20.58% | 18.10% | 15.40% | -469 bps | |
| Net Interest Margin | 3.98% | 4.04% | 4.00% | 4.15% | 4.10% | +12 bps | |
| Efficiency Ratio | 62.99% | 55.30% | 53.24% | 52.63% | 55.09% | -790 bps | |
| Non-Interest Burden | 2.26% | 1.92% | 1.56% | 1.87% | 1.93% | -32 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 / Loans | 0.79% | 0.41% | 0.48% | 0.39% | 0.31% | -48 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.53% | 0.01% | 0.02% | 0.03% | +2 bps | |
| Allowance / Loans | 1.20% | 1.01% | 1.02% | 1.07% | 1.15% | -5 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.5x | 2.1x | 2.8x | 3.7x | +2.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.58% | 11.17% | 11.00% | 11.30% | 12.29% | +171 bps | |
| Total Risk-Based Capital | 19.68% | 18.41% | 18.97% | 19.74% | 21.03% | +134 bps | |
| Equity / Assets | 9.63% | 9.25% | 9.33% | 10.44% | 11.54% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.82% | 60.50% | 56.75% | 57.90% | 57.29% | +247 bps | |
| Liquid Assets / Assets | 14.71% | 9.56% | 18.80% | 16.62% | 18.06% | +335 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 321% | n/a | n/a |