BlastPoint's Banking Scorecard
Goldwater Bank, N.A.
Phoenix, AZ
2 branches across AZ
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
- - Efficiency Drag: Bottom 1.7% in tier
- - Return on Assets 1.02% below tier average
- - Delinquency Rate 3.48% above tier average
- - Loan-to-Deposit Ratio 33.59% above tier average
- - Nonperforming Asset Ratio 2.89% above tier average
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$525.1M
+12.3% YoY
+1.9% QoQ
|
+$139.0M |
$386.1M
+0.5% YoY
|
$17.7B
+7.6% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$424.1M
+9.3% YoY
+1.2% QoQ
|
+$168.4M |
$255.7M
+1.1% YoY
|
$9.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$384.8M
+12.3% YoY
+4.4% QoQ
|
+$56.8M |
$328.0M
+0.1% YoY
|
$15.1B
+6.7% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
0.25%
-81.7% YoY
-70.5% QoQ
|
-1.02% |
1.27%
+12.9% YoY
|
0.18%
+147.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.1% in tier |
| Net Interest Margin ? |
3.50%
-6.0% YoY
-9.5% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
3.92%
+3.9% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
83.69%
+32.3% YoY
+15.2% QoQ
|
+18.40% |
65.29%
-4.5% YoY
|
84.95%
-15.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.3% in tier |
| Delinquency Rate ? |
4.37%
+259.2% YoY
+21.9% QoQ
|
+3.48% |
0.89%
+18.8% YoY
|
1.32%
+84.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.7% in tier |
| Loan-to-Deposit Ratio ? |
110.23%
-2.7% YoY
-3.1% QoQ
|
+33.59% |
76.64%
+0.8% YoY
|
80.55%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.85%
-9.2% YoY
+13.0% QoQ
|
+6.83% |
22.02%
-1.0% YoY
|
23.51%
-4.3% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
3.53%
+119.1% YoY
+19.8% QoQ
|
+2.89% |
0.64%
+19.7% YoY
|
0.94%
+70.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.9% in tier |
| Tier 1 Capital Ratio ? |
11.36%
-9.8% YoY
-0.9% QoQ
|
-4.47% |
15.83%
+1.5% YoY
|
14.90%
-16.6% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.13%
-62.5% YoY
-83.7% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.12%
+2.6% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.