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
Unfavorable gap of $12.8M · efficiency ratio beats 27% of banks under $1B in assets | 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 |