BlastPoint's Banking Scorecard

Gainey Business Bank

$100M-$1B Specialty: Commercial AZ FDIC cert 59273

Scottsdale, AZ

2664 banks in the $100M-$1B peer group nationally 8 in AZ

Gainey Business Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 1.4% in tier
+ Net Interest Margin 0.59% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.2% in tier
- Return on Assets 1.89% below tier average
- Efficiency Ratio 41.62% above tier average
- Non-Interest-Bearing Deposit Share 18.21% below tier average
- Non-Interest Income / Assets 0.26% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Total Assets ?	$102.8M +87.4% YoY -0.9% QoQ	-$283.3M	$386.1M +0.5% YoY	$17.7B +7.6% YoY	$6.2B +9.1% YoY	Bottom 1.1% in tier
Total Loans ?	$91.5M +79.9% YoY +5.8% QoQ	-$164.2M	$255.7M +1.1% YoY	$9.0B +5.4% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$93.9M +141.2% YoY -0.5% QoQ	-$234.1M	$328.0M +0.1% YoY	$15.1B +6.7% YoY	$4.8B +8.2% YoY	Bottom 3.9% in tier
Return on Assets ?	-0.62% +82.4% YoY +69.9% QoQ	-1.89%	1.27% +12.9% YoY	0.18% +147.8% YoY	1.23% +13.4% YoY	Bottom 1.4% in tier
Net Interest Margin ?	4.53% -3.7% YoY -1.6% QoQ	+0.59%	3.93% +6.0% YoY	3.92% +3.9% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	106.91% -40.0% YoY -22.0% QoQ	+41.62%	65.29% -4.5% YoY	84.95% -15.7% YoY	66.95% -4.1% YoY	Bottom 1.7% in tier
Delinquency Rate ?	0.07% -75.9% QoQ	-0.82%	0.89% +18.8% YoY	1.32% +84.0% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	97.43% -25.4% YoY +6.3% QoQ	+20.79%	76.64% +0.8% YoY	80.55% -0.2% YoY	76.70% +0.9% YoY	Bottom 11.8% in tier
Non-Interest-Bearing Deposit Share ?	3.81% -19.8% YoY +11.0% QoQ	-18.21%	22.02% -1.0% YoY	23.51% -4.3% YoY	22.01% -1.2% YoY	Bottom 2.6% in tier
Nonperforming Asset Ratio ?	0.06% -74.3% QoQ	-0.57%	0.64% +19.7% YoY	0.94% +70.0% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	8.92% -45.7% YoY -4.4% QoQ	-6.91%	15.83% +1.5% YoY	14.90% -16.6% YoY	17.06% +0.8% YoY	Bottom 0.6% in tier
Non-Interest Income / Assets ?	0.02% -9.3% YoY -91.8% QoQ	-0.26%	0.28% +9.3% YoY	0.12% +2.6% YoY	0.32% +4.1% YoY	Bottom 3.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#10 of 664 • Top 1.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#161 of 1308 • Bottom 12.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

460

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.93%

#460 of 2664 Top 17.2% in $100M-$1B

615

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#615 of 2654 Top 23.1% in $100M-$1B

658

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (9 metrics)

2650

Tier 1 Capital Ratio

capital

Value: 8.92%

Peer Median: 15.83%

#2650 of 2664 Bottom 0.6% in $100M-$1B

2636

Total Assets

size

Value: $102.81M

Peer Median: $386.08M

#2636 of 2664 Bottom 1.1% in $100M-$1B

2627

Return on Assets

profitability

Value: -0.62%

Peer Median: 1.27%

#2627 of 2664 Bottom 1.4% in $100M-$1B

2621

Efficiency Ratio

profitability

Value: 106.91%

Peer Median: 65.29%

#2621 of 2664 Bottom 1.7% in $100M-$1B

2595

Non-Interest-Bearing Deposit Share

funding

Value: 3.81%

Peer Median: 22.02%

#2595 of 2664 Bottom 2.6% in $100M-$1B

2582

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2582 of 2664 Bottom 3.1% in $100M-$1B

2562

Total Deposits

size

Value: $93.92M

Peer Median: $327.97M

#2562 of 2664 Bottom 3.9% in $100M-$1B

2351

Loan-to-Deposit Ratio

liquidity

Value: 97.43%

Peer Median: 76.64%

#2351 of 2664 Bottom 11.8% in $100M-$1B

2230

Total Loans

size

Value: $91.51M

Peer Median: $255.72M

#2230 of 2664 Bottom 16.3% in $100M-$1B