1st Bank Yuma

2799 South 4th Avenue
Yuma, AZ 85364

Notable Rates APY Vs.Others
Savings 0.05% 2.20% →
1-Year CD 0.80% 2.20% →
2-Year CD 1.01% 2.20% →
5-Year CD 1.31% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

1st Bank Yuma is an FDIC insured institution located in Yuma, AZ. It was founded in 2001 and has approximately $0.36 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 57298
Date Established 2001
Assets $0.36 billion
Loans $0.24 billion
Deposits $0.31 billion
Capital $0.04 billion

For a more detailed analysis of 1st Bank Yuma's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 25, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.01% $1,500 $9,999 Learn MoreShow Less
Money Market
0.04% $10,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
0.20% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.25% $100,000 - Learn MoreShow Less
0.40% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.50% $100,000 - Learn MoreShow Less
0.70% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
0.80% $100,000 - Learn MoreShow Less
0.80% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
0.91% $100,000 - Learn MoreShow Less
0.91% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.01% $100,000 - Learn MoreShow Less
1.01% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.11% $100,000 - Learn MoreShow Less
1.11% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
1.21% $100,000 - Learn MoreShow Less
1.21% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
1.31% $100,000 - Learn MoreShow Less

0.70% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $5,000 - Learn MoreShow Less
Checking Rates APY MIN FEE
1st Rate Rewards Checking 1.50% $0 $0.00 Learn MoreShow Less

Loan Rates - February 25, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st Bank Yuma

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.159% 3.125% 0.38 $1,085 $1,071 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to 1st Bank Yuma
To upload and update your bank's rates please register. It is free to register and add rates.


1st Bank Yuma branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

1st Bank Yuma Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Bank Yuma. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Bank Yuma U.S. Bank Average
0.4% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, 1st Bank Yuma had $160,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $37,537,000 in equity and $2,441,000 in loans loss reserves. That gives it a Texas Ratio of 0.4%.

Return on Equity
1st Bank Yuma U.S. Bank Average
14.75% 9.72%

1st Bank Yuma has a Return on Equity of 14.75% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

1st Bank Yuma U.S. Bank Average
10.57% 12.89%

1st Bank Yuma has a Capitalization of 10.57% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

1st Bank Yuma Balance Sheet Analysis

As of September 30, 2019, 1st Bank Yuma had assets of $355,019,000, loans of $240,043,000, and deposits of $314,557,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.07 billion
Interest-bearing balances $0.06 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.24 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.32 billion
Total deposits $0.31 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.31 billion
      % insured (estimated) 71.64%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.32 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in 1st Bank Yuma’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Arizona, 1st Bank Yuma has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 6.09
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 0.00
Construction and Development Loans 6.58
Commercial Real Estate 64.65
Commercial and Industrial Loans 13.11
Farm Loans 0.54

Frequently Asked Questions About 1st Bank Yuma

Branches and Savings

Is 1st Bank Yuma FDIC insured?

Yes. It is covered under FDIC Certificate #57298.

Why does 1st Bank Yuma pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st Bank Yuma CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st Bank Yuma a commercial bank?


Where are 1st Bank Yuma locations?

See branch locations nearby.

Is 1st Bank Yuma open on Saturdays?

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What time does 1st Bank Yuma open?

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Are 1st Bank Yuma ATMs Open 24/7?

Do 1st Bank Yuma ATMs accept cash deposits?

Can 1st Bank Yuma customers use other ATMs?

Do 1st Bank Yuma branches have notaries?

Will 1st Bank Yuma notarize my document?

What address for 1st Bank Yuma should I put for incoming ACH transfers?

Will the 1st Bank Yuma branch print checks?

Do 1st Bank Yuma checks expire?

Does 1st Bank Yuma require US citizenship to open account?

Can 1st Bank Yuma close my account?

Does 1st Bank Yuma Report to credit bureaus?

Does 1st Bank Yuma Use Equifax?

What is 1st Bank Yuma's ACH Routing Number?

What is 1st Bank Yuma's SWIFT code?


Does 1st Bank Yuma offer mortgages?

Compare mortgage rates here.

Does 1st Bank Yuma offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Bank Yuma offer personal loans?

Compare personal loan rates here.

Does 1st Bank Yuma offer student loans?

Will 1st Bank Yuma cash a check?

Will 1st Bank Yuma redeem a savings bond?

Does 1st Bank Yuma cash savings bonds?

Will 1st Bank Yuma cash money orders?

Can 1st Bank Yuma issue a money order?

Does 1st Bank Yuma do currency exchange?

Background on The Bank

Who owns 1st Bank Yuma?

How long has 1st Bank Yuma been around?

Can 1st Bank Yuma transfer to other banks?

Does 1st Bank Yuma have quick pay?

Does 1st Bank Yuma accept rolled coins?

Will 1st Bank Yuma accept loose change?

Where is 1st Bank Yuma headquarters?

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