Phoenix, AZ · Cert 58405 · Goldwater Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
32
Asset Quality
22
Profitability
28
Liquidity
0
Efficiency
27
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.
Phoenix, AZ · Cert 58405 · Goldwater Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.2% share · #26 of 55 inst. · $0.3B of $192.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.78% | 1.38% | 1.18% | 0.97% | 0.85% | 0.25% | 0.63% | -55 bps | |
| Return on Equity | 6.57% | 6.33% | 11.12% | 9.43% | 7.78% | 7.02% | 2.25% | 5.66% | -377 bps | |
| Net Interest Margin | 3.51% | 3.51% | 3.53% | 3.59% | 3.56% | 3.38% | 3.35% | 3.23% | -36 bps | |
| Efficiency Ratio | 77.83% | 76.64% | 63.28% | 68.07% | 71.38% | 72.63% | 83.69% | 78.27% | +1,020 bps | |
| Non-Interest Burden | 2.32% | 2.31% | 1.70% | 2.07% | 2.27% | 2.23% | 2.71% | 2.37% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.91% | 2.51% | 6.38% | 3.40% | 3.10% | 15.93% | 12.27% | 20.92% | +1,752 bps | |
| Loan Growth (YoY) | -1.30% | 2.14% | -1.61% | 2.79% | 8.03% | 5.73% | 9.35% | 11.02% | +823 bps | |
| Deposit Growth (YoY) | 10.07% | 7.29% | 13.35% | 7.05% | 3.44% | 19.72% | 12.30% | 23.39% | +1,634 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.33% | 1.48% | 1.20% | 2.69% | 3.39% | 3.54% | 4.31% | 4.14% | +145 bps | |
| Net Charge-Offs / Loans | 0.45% | 0.25% | 0.03% | 0.03% | 0.05% | 0.04% | 0.03% | 0.05% | +2 bps | |
| Allowance / Loans | 1.15% | 1.30% | 1.32% | 1.25% | 1.21% | 1.30% | 1.37% | 1.19% | -6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.9x | 1.1x | 0.5x | 0.4x | 0.4x | 0.3x | 0.3x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.07% | 12.07% | 12.59% | 12.27% | 12.20% | 11.46% | 11.36% | 11.13% | -114 bps | |
| Total Risk-Based Capital | 12.07% | 12.07% | 12.59% | 12.27% | 12.20% | 11.46% | 11.36% | 11.13% | -114 bps | |
| Equity / Assets | 12.02% | 12.53% | 12.23% | 12.69% | 12.34% | 11.26% | 11.13% | 10.80% | -189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 117.03% | 130.56% | 114.77% | 124.55% | 122.22% | 115.30% | 111.76% | 112.07% | -1,248 bps | |
| Liquid Assets / Assets | 8.87% | 4.77% | 11.43% | 5.73% | 6.52% | 4.54% | 5.26% | 4.71% | -102 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 264% | 273% | 282% | n/a | n/a | |
Phoenix, AZ · Cert 58405 · Peer group: banks under $1B in assets (n=581-629) · Goldwater Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.60% | 1.01% | 1.45% | Beats 25% | 473 / 629 | ||
| Return on Equity | 5.57% | 5.38% | 9.30% | 13.28% | Beats 26% | 464 / 629 | ||
| Net Interest Margin | 3.23% | 3.03% | 3.54% | 4.05% | Beats 34% | 414 / 629 | ||
| Efficiency Ratio | 78.27% | 58.35% | 67.79% | 79.08% | Beats 27% | 462 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.14% | 0.09% | 0.46% | 1.20% | Beats 4% | 558 / 581 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 39% | 356 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.13% | 11.24% | 13.84% | 18.77% | Beats 24% | 477 / 629 | ||
| Total Risk-Based Capital Ratio | 11.13% | 11.58% | 14.43% | 19.66% | Beats 20% | 503 / 629 | ||
| Equity / Assets | 10.80% | 9.09% | 10.65% | 13.80% | Beats 52% | 303 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 112.07% | 67.24% | 80.90% | 93.48% | 96th pctl | 21 / 594 | ||
| Loans / Assets | 82.91% | 53.31% | 67.71% | 78.15% | 88th pctl | 78 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||