This institution is no longer active

Operations ceased on May 31, 1996. CRA examination history below reflects the period it was active.

SOUTHERN ARIZONA BANK OF YUMA

YUMA, AZ · Supervised by FDIC

Est. 1982FDIC #23,932RSSD: FDIC-23932

Part ofSOUTHERN ARIZONA BCORP INC→ View all charters

Outstanding Up

Current rating · Exam: August 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.37%

Is this bank safe?

SOUTHERN ARIZONA BANK OF YUMA earned an Outstanding CRA rating (1995), is financially strong (ROA +1.37%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

1800 South Fourth Avenue, YUMA, AZ

County

Yuma County

Established

August 2, 1982

Total Assets

$146M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1996Call Report / FDIC

Total Assets

$146M

Total Deposits

$123M

Net Loans

$97M

Net Income

$487K

ROA

1.37%

Above avg for Small banks. Peer avg: 0.44%

ROE

17.32%

Risk-Based Capital

13.13%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.37%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.13%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Aug 1995	Outstanding	Not Reported
Nov 1994	Satisfactory	Not Reported
Mar 1993	Satisfactory	Not Reported

1 previous rating locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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