1st Bank Yuma vs Western Alliance Bank
Side-by-side bank health comparison using FDIC financial data
1st Bank Yuma and Western Alliance Bank are meaningfully apart on the BankHealth rubric: 1st Bank Yuma grades A, Western Alliance Bank grades B. Size-wise, 1st Bank Yuma holds $624M in assets versus $80.5B at Western Alliance Bank.
1st Bank Yuma comes out ahead on the composite score. For depositors comparing banks, the spread is large enough to be informative — though for amounts below FDIC insurance limits, both banks are operationally similar from a safety-of-deposits perspective.
Verdict
1st Bank Yuma has a stronger Bank Health Score of 99/100 (A) compared to Western Alliance Bank at 74/100 (B), a difference of 25 points. 1st Bank Yuma holds a Tier 1 capital ratio of 17.82% and an NPL ratio of 0.20%.
| Metric | 1st Bank Yuma | Western Alliance Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A)* | 74/100 (B) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 17.8%* | 12.0% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2%* | 1.8% |
| Liquidity Ratio Cash and liquid assets vs obligations | 47.1%* | 26.5% |
| Return on Assets Profitability metric (above 1% is strong) | 2.4%* | 1.2% |
| Total Assets | $624M | $80.5B |
| Total Deposits | $570M | $66.6B |
| Location | Yuma, Arizona | Phoenix, Arizona |
1st Bank Yuma has a stronger Bank Health Score of 99/100 (A) compared to Western Alliance Bank at 74/100 (B), a difference of 25 points. 1st Bank Yuma holds a Tier 1 capital ratio of 17.82% and an NPL ratio of 0.20%.