1st Bank Yuma

2799 South 4th Avenue
Yuma, AZ 85364

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57298
Date Established 0000
Assets $0.29 billion
Loans $0.20 billion
Deposits $0.26 billion
Capital $0.03 billion

1st Bank Yuma is an FDIC insured institution located in Yuma, AZ. It was founded in 0000 and has approximately $0.29 billion in assets. Customers can open an account via one of its 6 branches.

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.

Bank Loan Profile?

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

Compared to other banks, 1st Bank Yuma’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 6.73
Multifamily
Mortgages
3.56
Credit Card Loans 0.00
Consumer Auto Loans 0.12
Small Business Loans 29.36
Construction and Development Loans 8.59
Commercial Real Estate 61.79
Commercial and Industrial Loans 11.00
Farm Loans 1.31

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K 0.05% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K 0.10% $100,000 - Learn MoreShow Less
6 Mo CD 10K 0.10% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K 0.13% $100,000 - Learn MoreShow Less
12 Mo CD 10K 0.15% $1,000 $99,999 Learn MoreShow Less
12 Mo CD 100K 0.18% $100,000 - Learn MoreShow Less
18 Mo CD 10K 0.20% $1,000 $99,999 Learn MoreShow Less
18 Mo CD 100K 0.23% $100,000 - Learn MoreShow Less
24 Mo CD 10K 0.25% $1,000 $99,999 Learn MoreShow Less
24 Mo CD 100K 0.30% $100,000 - Learn MoreShow Less
36 Mo CD 10K 0.35% $1,000 $99,999 Learn MoreShow Less
36 Mo CD 100K 0.40% $100,000 - Learn MoreShow Less
48 Mo CD 10K 0.45% $1,000 $99,999 Learn MoreShow Less
48 Mo CD 100K 0.50% $100,000 - Learn MoreShow Less
60 Mo CD 10K 0.50% $1,000 $99,999 Learn MoreShow Less
60 Mo CD 100K 0.55% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.05% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K 0.15% $1,000 $99,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K 0.01% $1,500 $9,999 Learn MoreShow Less
MM 10K 0.04% $10,000 $24,999 Learn MoreShow Less
MM 25K 0.09% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.05% $1,500 - Learn MoreShow Less
Checking Rates APY MIN FEE
1st Rate Rewards Checking 3.00% $0 $0.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

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Branches

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.

Your Location:
Ashburn,Virginia


1st Bank Yuma Locations

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. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
1st Bank Yuma U.S. Bank Average
5.84% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, 1st Bank Yuma had $1,725,000 in non-current loans and $167,000 in owned real estate. To cover these potential losses it had $30,385,000 in equity and $2,007,000 in loans loss reserves. That gives it a Texas Ratio of 5.84%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
1st Bank Yuma U.S. Bank Average
9.9% 9.45%

1st Bank Yuma has a Return on Equity of 9.9% versus the BestCashCow average of 9.45%. 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.

Capitalization
1st Bank Yuma U.S. Bank Average
10.35% 11.28%

1st Bank Yuma has a Capitalization of 10.35% versus the BestCashCow average of 11.28%. 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 June 30, 2016, 1st Bank Yuma had assets of $293,569,000, loans of $196,027,000, and deposits of $261,556,000. 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.

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