Gainey Business Bank
Scottsdale, AZ · Cert 59273 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
$106.6MAssets
$96.2MLoans
$89.7MDeposits
$13.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks under $1B in assets (rank 71 of 629).
- Widest gap: return on equity trails 92% of banks under $1B in assets (rank 581 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-0.07%
Rank 580 of 629
Net Interest Margin
4.46%
Rank 71 of 629
Efficiency Ratio
95.06%
Rank 572 of 629
Equity / Assets
12.61%
Rank 200 of 629
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 9% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.07% | 0.60% | 1.01% | 1.45% | Beats 8% | 580 / 629 | |
| Return on Equity | -0.54% | 5.38% | 9.30% | 13.28% | Beats 8% | 581 / 629 | |
| Net Interest Margin | 4.46% | 3.03% | 3.54% | 4.05% | Beats 89% | 71 / 629 | |
| Efficiency Ratio | 95.06% | 58.35% | 67.79% | 79.08% | Beats 9% | 572 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.09% | 0.46% | 1.20% | Beats 78% | 131 / 581 | |
| Net Charge-Offs / Loans | 0.20% | n/a | 0.01% | 0.06% | Beats 9% | 531 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.67% | 11.24% | 13.84% | 18.77% | Beats 57% | 271 / 629 | |
| Total Risk-Based Capital Ratio | 15.92% | 11.58% | 14.43% | 19.66% | Beats 61% | 248 / 629 | |
| Equity / Assets | 12.61% | 9.09% | 10.65% | 13.80% | Beats 68% | 200 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 107.27% | 67.24% | 80.90% | 93.48% | 93rd pctl | 41 / 594 | |
| Loans / Assets | 90.28% | 53.31% | 67.71% | 78.15% | 99th pctl | 6 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |