Bank Comparison
Bnc National Bank vs 1st Bank Yuma
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bnc National Bank | 1st Bank Yuma |
|---|---|---|
| CET1 Ratio | 14.22% | 20.11% |
| Tier 1 Capital Ratio | 14.22% | 20.11% |
| Total Capital Ratio | 15.24% | 21.03% |
| Tier 1 Leverage Ratio | 11.28% | 12.29% |
| Equity / Assets | 11.10% | 11.54% |
Profitability
| Metric | Bnc National Bank | 1st Bank Yuma |
|---|---|---|
| Return on Assets (ROA) | 1.03% | 1.65% |
| Return on Equity (ROE) | 9.68% | 15.40% |
| Net Interest Margin (NIM) | 3.56% | 4.37% |
| Yield on Earning Assets | 5.26% | 4.95% |
| Cost of Funds | 1.88% | 0.63% |
Asset quality
| Metric | Bnc National Bank | 1st Bank Yuma |
|---|---|---|
| Texas Ratio | 5.37% | 1.81% |
| Non-Performing Loan Ratio | 0.92% | 0.42% |
| Non-Performing Asset Ratio | 0.64% | 0.21% |
| Net Charge-Off Ratio | 1.11% | 0.03% |
| ACL / Loans | 1.18% | 1.15% |
Balance sheet
| Metric | Bnc National Bank | 1st Bank Yuma |
|---|---|---|
| Total Assets | $1,061M | $553,397K |
| Total Deposits | $938,240K | $485,405K |
| Total Loans | $734,622K | $278,109K |
| Total Equity | $117,805K | $63,869K |
| Net Income (quarter) | $2,817K | $2,397K |
Liquidity & funding
| Metric | Bnc National Bank | 1st Bank Yuma |
|---|---|---|
| Loan-to-Deposit Ratio | 78.30% | 57.29% |
| Core Deposit Ratio | 97.28% | 92.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bnc National Bank | 1st Bank Yuma |
|---|---|---|
| Headquarters City | GLENDALE | YUMA |
| Headquarters State | AZ | AZ |
| Asset Tier | Large | Medium |
| Charter Class | 22973 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 12 | 5 |
| Employees (FTE) | 125 | 81 |
| Established | Jan. 22, 1996, midnight | Sept. 4, 2001, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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