1st Bank Yuma vs Western Alliance Trust Co NA
Side-by-side bank health comparison using FDIC financial data
1st Bank Yuma (A) and Western Alliance Trust Co NA (A) are close on the BankHealth rubric. Asset bases: $624M versus $51M.
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 Western Alliance Trust Co NA at 90/100 (A), a difference of 9 points. 1st Bank Yuma holds a Tier 1 capital ratio of 17.8% and an NPL ratio of 0.20%.
| Metric | 1st Bank Yuma | Western Alliance Trust Co NA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 99/100 (A)* | 90/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 17.8% | 96.6%* |
| 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% | 72.5%* |
| Return on Assets Profitability metric (above 1% is strong) | 2.4%* | -11.7% |
| Total Assets | $624M | $51M |
| Total Deposits | $570M | $0 |
| Location | Yuma, Arizona | Phoenix, Arizona |
1st Bank Yuma has a stronger Bank Health Score of 99/100 (A) compared to Western Alliance Trust Co NA at 90/100 (A), a difference of 9 points. 1st Bank Yuma holds a Tier 1 capital ratio of 17.8% and an NPL ratio of 0.20%.