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 | |