FDIC Cert #57298 · Yuma, Arizona · Est. 2001

1st Bank Yuma - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$553M
Total assets
F
Health grade · At Risk
1.81%
Return on assets
-
Tier 1 capital

Data updated July 2026

The verdict

1st Bank Yuma earns a PlainBankData health grade of F (25/100), with profitable at 1.81% ROA.

#1,667
largest of 4,313 FDIC banks by assets
61st
percentile by asset size, nationally
86th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 57298 · AZ F · 25/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-UNK · TEXAS-UNK · ROA-STRONG · SIZE-MID · BOOK-MID

  • GRADE-F F (25/100)
  • BOTTOM-DECILE #4285/4307
  • PHOTO-FINISH Winter Park National… · FL
  • TIER1-UNK Tier 1 blank
  • TEXAS-UNK Texas blank
  • ROA-STRONG 1.81% ROA
  • SIZE-MID $100M–1B
  • BOOK-MID 5/9 fields

Nearest health peer outside Arizona: Winter Park National Bank, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around 1st Bank Yuma

Lowest and highest poles plus nearest scored peers outside Arizona, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100UniBank · WA · near28/100The Iuka State Bank · IL · n…26/1001st Bank Yuma · AZ · this ba…25/100The First State Bank… · MN ·…25/100Winter Park National… · FL ·…25/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around 1st Bank Yuma · July 2026

Call Report read for 1st Bank Yuma in a high-failure state

1st Bank Yuma (FDIC Cert #57298) carries a PlainBankData health grade of F at 25/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,285 of 4,307. Return on assets is 1.81%. Balance-sheet scale is $553M, 1,667th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Winter Park National Bank (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around 1st Bank Yuma

16 FAILURE resolutions in Arizona since 2000, heavy vs the state corpus

1st Bank Yuma sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about 1st Bank Yuma's current Call Report.

  • SUNRISE BANK OF ARIZONA PHOENIX, AZ 2013 → FIRST FIDELITY BANK, NATIONAL ASSOCIATION
  • CENTRAL ARIZONA BANK SCOTTSDALE, AZ 2013 → WESTERN STATE BANK
  • GOLD CANYON BANK GOLD CANYON, AZ 2013 → FIRST SCOTTSDALE, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arizona banks.

How 1st Bank Yuma's 25/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10025/100
1st Bank Yuma's composite health score
Tier 1 Capital Ratio (N/A) 0/40
Return on Assets (ROA) (1.81%) 25/25
Texas Ratio (N/A) 0/20
Efficiency Ratio (N/A) 0/15

25 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$553M

Total balance-sheet footings

Total Deposits

$485M

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Where 1st Bank Yuma ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Bank Yuma's score of 25/100 falls in the highlighted band.

1st Bank Yuma: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

25 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). This entry sits in this band. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. 1st Bank Yuma 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

1st Bank Yuma's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Bank Yuma's $553M falls in the highlighted band.

Capital & credit buffers at 1st Bank Yuma

Tier 1 Capital Ratio
-
Texas Ratio
-
Equity Capital
$64M

What these ratios mean →

Earnings posture at 1st Bank Yuma

Return on Assets (ROA)
86th percentile nationally
1.81%
Return on Equity (ROE)
17.95%
Efficiency Ratio
-

What these mean →

What to watch at 1st Bank Yuma

1st Bank Yuma's grade of F reflects specific pressure points in the FDIC Call Report.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at 1st Bank Yuma up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View 1st Bank Yuma on FDIC BankFind →

Top banks in Arizona by total assets

Largest banks headquartered in Arizona
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  3. 3
    BNC National Bank $1.1B

    Glendale, AZ · Grade B

  4. 4
    Southwest Heritage Bank $894M

    Scottsdale, AZ · Grade B

  5. 5
    1st Bank Yuma $553M

    Yuma, AZ · Grade F

Top 5 banks in Arizona ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($553M here), outside Arizona so the neighborhood is not state containment.

Trinity Bank $553M · TX Commercial Bank $554M · MI Fidelity Bank $553M · AR Huntington Federal Savings Bank $553M · WV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Bank Yuma (FDIC Cert #57298) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

1st Bank Yuma Call Report profile · FDIC Failed Bank List · Arizona FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arizona

All Arizona banks →
BankAssetsGradeROA
USAA Federal Savings BankPhoenix $108.0B B 0.40%
Western Alliance BankPhoenix $92.7B B 1.10%
BNC National BankGlendale $1.1B B 1.00%
Southwest Heritage BankScottsdale $894M B 0.98%
Goldwater Bank, N.A.Phoenix $515M C 0.85%
Gateway Commercial BankMesa $228M A 1.16%
Mission BankKingman $186M B 0.37%
Integro BankPhoenix $178M B 1.90%