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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.80% | 1.80% | 1.80% | 1.72% | 1.91% | 1.87% | 1.81% | +2 bps | |
| Return on Equity | 23.45% | 23.17% | 22.96% | 21.78% | 20.35% | 20.58% | 19.33% | 17.95% | -383 bps | |
| Net Interest Margin | 3.99% | 4.27% | 4.07% | 4.19% | 4.25% | 4.00% | 4.08% | 4.26% | +7 bps | |
| Efficiency Ratio | 54.82% | 52.75% | 52.42% | 55.79% | 55.68% | 53.24% | 52.95% | 53.61% | -218 bps | |
| Non-Interest Burden | 1.87% | 1.96% | 1.84% | 2.05% | 2.06% | 1.56% | 1.71% | 1.86% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 2.64% | 6.72% | 3.94% | -0.69% | 1.47% | -6.89% | -4.25% | -818 bps | |
| Loan Growth (YoY) | 7.03% | 2.40% | 5.45% | 4.43% | 3.91% | 7.25% | 2.76% | -2.10% | -653 bps | |
| Deposit Growth (YoY) | 4.64% | 1.71% | 5.66% | 1.34% | -2.10% | -0.18% | -9.35% | -6.32% | -766 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.22% | 0.20% | 0.79% | 0.41% | 0.48% | 0.39% | 0.31% | -48 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.01% | 0.14% | 0.01% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 1.12% | 1.16% | 1.17% | 1.20% | 1.01% | 1.02% | 1.07% | 1.15% | -5 bps | |
| Allowance Coverage of NPLs | 2.3x | 5.4x | 5.8x | 1.5x | 2.5x | 2.1x | 2.8x | 3.7x | +2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 9.84% | 9.69% | 10.58% | 11.17% | 11.00% | 11.30% | 12.29% | +171 bps | |
| Total Risk-Based Capital | 17.42% | 18.05% | 18.81% | 19.68% | 18.41% | 18.97% | 19.74% | 21.03% | +134 bps | |
| Equity / Assets | 7.86% | 7.68% | 7.93% | 9.63% | 9.25% | 9.33% | 10.44% | 11.54% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.00% | 52.81% | 51.08% | 54.82% | 60.50% | 56.75% | 57.90% | 57.29% | +247 bps | |
| Liquid Assets / Assets | 10.48% | 16.62% | 19.16% | 14.71% | 9.56% | 18.80% | 16.62% | 18.06% | +335 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 321% | n/a | n/a |