1st Bank Yuma vs Gateway Commercial Bank
Side-by-side bank health comparison using FDIC financial data
1st Bank Yuma (A) and Gateway Commercial Bank (A) are close on the BankHealth rubric. Asset bases: $624M versus $200M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
1st Bank Yuma has a stronger Bank Health Score of 99/100 (A) compared to Gateway Commercial Bank at 91/100 (A), a difference of 8 points. 1st Bank Yuma holds a Tier 1 capital ratio of 17.8% and an NPL ratio of 0.20%.
| Metric | 1st Bank Yuma | Gateway Commercial Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 17.8%* | 13.3% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 47.1%* | 37.4% |
| Return on Assets Profitability metric (above 1% is strong) | 2.4%* | 0.8% |
| Total Assets | $624M | $200M |
| Total Deposits | $570M | $161M |
| Location | Yuma, Arizona | Mesa, Arizona |
1st Bank Yuma has a stronger Bank Health Score of 99/100 (A) compared to Gateway Commercial Bank at 91/100 (A), a difference of 8 points. 1st Bank Yuma holds a Tier 1 capital ratio of 17.8% and an NPL ratio of 0.20%.