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Goldwater Bank, National Association

Phoenix, AZ · Cert 58405 · Goldwater Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

32

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

27

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Goldwater Bank, National Association

Phoenix, AZ · Cert 58405 · Goldwater Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$551.9MAssets
$457.6MLoans
$408.3MDeposits
$59.6MEquity
Loan mix
97%RE $417.3M3%C&I $13.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $282.2M31%Noninterest $126.1MQ2 2025Q2 2026

NIM

5.65%Q2 ’245.95%Q2 ’255.63%Q2 ’26+1%-10%

Non-interest income vs. expense

4.32%Q2 ’243.24%Q2 ’253.11%Q2 ’26-17%+14%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.2% share · #26 of 55 inst. · $0.3B of $192.0B

0.2% Maricopa
1.5% Mohave

Executive Summary

  • Earnings: ROA of 0.63%, down 55 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 4.14% of loans (+145 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.13%, down 114 bps from a year ago.
  • Funding: loans stand at 112.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%-55 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-36 bps YoY

Efficiency Ratio (YTD, annualized)

78.27%+1,020 bps YoY

Tier 1 Leverage Ratio

11.13%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%0.97%0.85%0.25%0.63%-55 bps
Return on Equity9.43%7.78%7.02%2.25%5.66%-377 bps
Net Interest Margin3.59%3.56%3.38%3.35%3.23%-36 bps
Efficiency Ratio68.07%71.38%72.63%83.69%78.27%+1,020 bps
Non-Interest Burden2.07%2.27%2.23%2.71%2.37%+30 bps
Growth
Asset Growth (YoY)3.40%3.10%15.93%12.27%20.92%+1,752 bps
Loan Growth (YoY)2.79%8.03%5.73%9.35%11.02%+823 bps
Deposit Growth (YoY)7.05%3.44%19.72%12.30%23.39%+1,634 bps
Asset Quality
Nonperforming Loans / Loans2.69%3.39%3.54%4.31%4.14%+145 bps
Net Charge-Offs / Loans0.03%0.05%0.04%0.03%0.05%+2 bps
Allowance / Loans1.25%1.21%1.30%1.37%1.19%-6 bps
Allowance Coverage of NPLs0.5x0.4x0.4x0.3x0.3x-0.2x
Capital
Tier 1 Leverage Ratio12.27%12.20%11.46%11.36%11.13%-114 bps
Total Risk-Based Capital12.27%12.20%11.46%11.36%11.13%-114 bps
Equity / Assets12.69%12.34%11.26%11.13%10.80%-189 bps
Liquidity & Funding
Loans / Deposits124.55%122.22%115.30%111.76%112.07%-1,248 bps
Liquid Assets / Assets5.73%6.52%4.54%5.26%4.71%-102 bps
CRE / Total Capitaln/a264%273%282%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Goldwater Bank, National Association

Phoenix, AZ · Cert 58405 · Peer group: banks under $1B in assets (n=581-629) · Goldwater Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$551.9MAssets
$457.6MLoans
$408.3MDeposits
$59.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 52% of banks under $1B in assets (rank 303 of 629).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets (rank 558 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.60%

Rank 473 of 629

Net Interest Margin

3.23%

Rank 414 of 629

Efficiency Ratio

78.27%

Rank 462 of 629

Equity / Assets

10.80%

Rank 303 of 629

Non-interest income vs. expense

$4.0M$16.8MINCOMEEXPENSE
Unfavorable gap of $12.8M · efficiency ratio beats 27% of banks under $1B in assets
Bank 78.27%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.60%1.01%1.45%Beats 25%473 / 629
Return on Equity5.57%5.38%9.30%13.28%Beats 26%464 / 629
Net Interest Margin3.23%3.03%3.54%4.05%Beats 34%414 / 629
Efficiency Ratio78.27%58.35%67.79%79.08%Beats 27%462 / 629
Asset Quality
Nonperforming Loans / Loans4.14%0.09%0.46%1.20%Beats 4%558 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 39%356 / 581
Capital
Tier 1 Capital Ratio11.13%11.24%13.84%18.77%Beats 24%477 / 629
Total Risk-Based Capital Ratio11.13%11.58%14.43%19.66%Beats 20%503 / 629
Equity / Assets10.80%9.09%10.65%13.80%Beats 52%303 / 629
Liquidity & Funding
Loans / Deposits112.07%67.24%80.90%93.48%96th pctl21 / 594
Loans / Assets82.91%53.31%67.71%78.15%88th pctl78 / 629
Brokered Deposits / Depositsn/aNot reported for this institution