BlastPoint's Banking Scorecard
Goldwater Bank, N.A.
Phoenix, AZ
2 branches across AZ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in AZ.
- Deposits +23.4% year over year ($408.3M on the books).
- Delinquency rate 4.19%.
- Return on assets 0.63%.
- Efficiency ratio 78.27% vs a 64.48% peer average.
- Loan-to-deposit ratio 110.74% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Goldwater Bank, N.A. faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.27% above tier average
- - Loan-to-Deposit Ratio 32.78% above tier average
- - Nonperforming Asset Ratio 2.76% above tier average
- - ROA 0.70% below tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 13.80% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$551.9M
+20.9% YoY
+5.1% QoQ
|
+$165.4M |
$386.6M
+1.2% YoY
|
$17.4B
+6.1% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$452.2M
+11.1% YoY
+6.6% QoQ
|
+$193.8M |
$258.3M
+1.7% YoY
|
$9.3B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$408.3M
+23.4% YoY
+6.1% QoQ
|
+$81.6M |
$326.7M
+0.7% YoY
|
$14.8B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.63%
-46.8% YoY
+148.2% QoQ
|
-0.70% |
1.32%
+10.8% YoY
|
0.35%
+477.8% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
3.44%
-12.5% YoY
-1.7% QoQ
|
-0.54% |
3.99%
+5.0% YoY
|
3.96%
+2.3% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
78.27%
+15.0% YoY
-6.5% QoQ
|
+13.80% |
64.48%
-3.2% YoY
|
81.56%
-13.3% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
4.19%
+53.7% YoY
-4.2% QoQ
|
+3.27% |
0.92%
+15.7% YoY
|
1.46%
+76.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.5% in tier |
| Loan-to-Deposit Ratio ? |
110.74%
-10.0% YoY
+0.5% QoQ
|
+32.78% |
77.95%
+1.0% YoY
|
84.92%
+5.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.88%
-6.7% YoY
+7.0% QoQ
|
+8.85% |
22.03%
-0.6% YoY
|
24.29%
+4.4% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
3.43%
+39.6% YoY
-2.8% QoQ
|
+2.76% |
0.67%
+16.4% YoY
|
1.10%
+71.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.5% in tier |
| Tier 1 Capital Ratio ? |
11.13%
-9.3% YoY
-2.1% QoQ
|
-4.78% |
15.91%
+1.4% YoY
|
14.82%
-13.7% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.36%
-40.6% YoY
+172.1% QoQ
|
-0.21% |
0.57%
+7.6% YoY
|
0.29%
-0.6% YoY
|
0.66%
+5.2% YoY
|
81% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.9%
-2.2pp YoY +2.0pp QoQ |
+8.7pp | 22.1% | 24.3% | 22.2% | 84% |
| Brokered Deposits |
13.5%
+12.2pp YoY -0.8pp QoQ |
+5.6pp | 7.9% | 7.6% | 8.5% | 83% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.9%
+0.9pp YoY +0.8pp QoQ |
-7.7pp | 11.6% | 20.4% | 12.5% | 14% |
| CRE |
38.5%
+4.5pp YoY -0.8pp QoQ |
-1.0pp | 39.5% | 53.9% | 41.4% | 50% |
| 1-4 Family |
58.9%
-5.5pp YoY -0.2pp QoQ |
+26.2pp | 32.6% | 22.4% | 31.3% | 89% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 11.3% | 5.0% | 1% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
11.1%
-1.1pp YoY -0.2pp QoQ |
-1.0pp | 12.2% | 11.4% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
60
+1 (+1.7%) YoY -6 (-9.1%) QoQ |
+1 | 58 | 1,366 | 482 | 63% |
| Assets per Employee ($) |
$9.2M
+18.9% YoY +15.6% QoQ |
+$1.7M | $7.5M | $9.6M | $8.8M | 81% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
+0.2pp YoY -0.1pp QoQ |
+0.5pp | 0.3% | 1.2% | 0.4% | 89% |
| Nonaccrual |
3.4%
+1.3pp YoY -0.1pp QoQ |
+2.4pp | 0.9% | 1.5% | 1.0% | 95% |
| Allowance Coverage |
0.29x
-38.3% YoY -9.7% QoQ |
-23.87x | 24.15x | 2.94x | 20.23x | 3% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.6% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
-3.8pp YoY +3.4pp QoQ |
-6.5pp | 12.2% | 4.1% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.6%
0.0pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.9% | 1.7% | 91% |
| Net Income ($, YTD) |
$1.7M
-38.2% YoY — QoQ |
-$894K | $2.6M | $88.2M | $40.4M | 45% |
Get Full Access to Goldwater Bank, N.A.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.