# 1ST BANK YUMA
YUMA, AZ · FDIC certificate 57298 · asset band $300M-1B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $553.4M | |
| Deposits | $485.4M | |
| Loans and leases | $278.1M | |
| Total equity | $63.9M | |
| Loans / deposits | 56.64% (p11 of band) | 81.39% |
| Liquid assets / assets | 44.48% (p87 of band) | |
| Uninsured deposits / deposits | 34.51% (p78 of band) | 25.47% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.29% (p75 of band) | 10.62% |
| Unrealized securities loss / equity | -19.73% (p27 of band) | -9.12% |
| AOCI / equity | 7.36% (p79 of band) | |
| ROA (annualized) | 1.81% (p85 of band) | 1.14% |
| Net interest margin | 4.57% (p86 of band) | 3.68% |
| Efficiency ratio | 53.61% (p21 of band) | |
| Noncurrent loans | 0.31% (p45 of band) | 0.38% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 371.13% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 32.93% (p38 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 1 |  | deposits shrinking, assets shrinking |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 0 |  | reserve under noncurrent, capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | capital falling, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 0 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 2 | deposits shrinking, assets shrinking |  |
| 2025-09 | 1 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-10 [OneAZ Credit Union receives final approval to acquire 1st Bank Yuma - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdjFnOEpud0lUanZrV1pHM2VjT0RMZnZxYmZoODBlZTY0V0o0TGxaVUs3RmNobTdValNnTG5MeVRHR3Q4UEphM3dhTjE3YVRhZ3FFWXlJLTFWTVhwLW9PZUtuUmxtNWJoM2RfRFRXX2JJSkw4SG5URFRuVUZIZkNkRTZFc3VrUmtUNlJFWHNNNnd4ZnBOMjhQQ0lNZkdMV0oxcGg4M1hEYXJOLW1L?oc=5) · CUInsight
- 2025-11-11 [OneAZ Credit Union gains regulatory approval for 1st Bank Yuma acquisition - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxNSkNKSTlCMjZ3cV91LUpsRVN4YnhGUGJ3ZzdlQ1BFakpVZ2doSVZpVVRXZW5rWlBCbDl6R2xmTnEyUWZDc0FiS2VQSEpHUm9PRUtQMHBtU0VBNms5VmtoSkJJbnVGdU1WRVY0ZXBMejBydXlLRFB4V2ZJNGc5TjZxMVFCdlhGcWFWQ1B5dTB0TXBUTkU?oc=5) · The Business Journals
- 2025-11-17 [OneAZ Credit Union Receives Regulatory Approval for Merger With 1st Bank Yuma - CUTimes](https://news.google.com/rss/articles/CBMiswFBVV95cUxObHFpeHhRd1p4R0o0TVFNVmlTX3lNbExVamxwVDNvSGdTMElReVl0R2dXMm5FZW5RR1RGVzBZUkJad2xmREFqSFpPQnlyeXFMdHN5M0hXMGxBSjR3VWFqdE85Z0hSZERKQXdlM0NrRTlSVjZSS09VTnZERDJRR2xxc3BBdWtHVUUyeFpaZnB2LXZhaC12Y3NNQk1CQzV3S05QZy1Oa3IyMHMtTDFid2FmRnJMOA?oc=5) · CUTimes
- 2025-11-21 [1st Bank Yuma is now OneAZ - CUInsight](https://news.google.com/rss/articles/CBMidkFVX3lxTE95THZEWExmclFKSTJpZ2ZYTG9kVnM5YVVoZW8ycmdxY1pHWVUtQTBYUC1YTzdLVGhNVkpna2lZWFl1NEh2bUhabWI0cFp2LXNkcWxkNXYybU5LLVFQbzA4aXVzcHVBWFVkaWdFemg0blpsdU1zN3c?oc=5) · CUInsight
- 2024-10-04 [Arizona credit union-bank deal pushes 2024 to new record - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVHVSTDFEX1ZueHNVYUE2elVjbDJ3dDlvZmRZcEFlQ0JscTQ2b1RJbG4wdTRjRFRDdzRYRlQya2lvS2UtS1R4OFhZc1hrOXR6TF9CYlBKaXI0UHN5U1V6d21GM2JONnhocTVtX0VyaFNFWHNDdklUeEVZSi1WWWQ0NmZhX3JPQmRhVXJ6MGo5M3dyVEY0M1JHeS1KdXhkVjVScVBxRlExX3NWYjdtZ0lpSmNtX0pEQQ?oc=5) · Banking Dive
- 2026-01-13 [OneAZ Credit Union names permanent CEO as it prepares to absorb Yuma bank - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOX3lMb0xUSHRnMThCTWhEVHV5TVNtc0JLRUVhWTVqejJFa05zRHY2UjlzR3JKNzhYa0RBYndFS1pHa3Y1YXUzMkFXOGE5TUhwb3dkb291SDhTN3RVM3l2dW42bkRSdVJEeW9qZjRQWHMyVFhTcHROOUZtNWVwZUE0SjdiU2o2Qmw1MHpsSEZmV2N1LUhscEJVVU1rZUlwdVIxdEE?oc=5) · The Business Journals
- 2024-10-03 [OneAZ Credit Union's bank purchase breaks all-time deal tally - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOUVJIbjRpVjBrUlN4ZTRqcnhkOEJYZHlWSmp4Y0J4andveUI1QXlEWmJYNVM2dEtraXd3NGczTURZVjJmN0Q1N09qZ2xEN3VMeDE2dzV4YUt0S2dubXpGNXJMRkJaZmpWYjlmTUtFWjFxSUtSYWtjUG54bFlBV281Q0xNeWVfbjJnSks4TWtKZ19EdXJ4YndkRkZiYw?oc=5) · American Banker
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57298 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "57298", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide