BlastPoint's Banking Scorecard
Gainey Business Bank
$100M-$1B
Specialty: Commercial
AZ
FDIC cert 59273
Scottsdale, 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 +52.9% year over year ($89.7M on the books).
- Delinquency rate 0.07%.
- Return on assets -0.07%.
- Efficiency ratio 95.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 106.02% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
8 in AZ
View $100M-$1B leaderboard (AZ) →
Gainey Business Bank has 2 strengths but faces 4 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
- + Net Interest Margin 0.57% above tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.39% below tier average
- - Efficiency Ratio 30.58% above tier average
- - Loan-to-Deposit Ratio 28.07% above tier average
- - Non-Interest-Bearing Deposit Share 18.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.6M
+56.1% YoY
+3.7% QoQ
|
-$280.0M |
$386.6M
+1.2% YoY
|
$17.4B
+6.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.6% in tier |
| Total Loans ? |
$95.1M
+59.1% YoY
+4.0% QoQ
|
-$163.2M |
$258.3M
+1.7% YoY
|
$9.3B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$89.7M
+52.9% YoY
-4.5% QoQ
|
-$237.0M |
$326.7M
+0.7% YoY
|
$14.8B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.4% in tier |
| Return on Assets ? |
-0.07%
+97.5% YoY
+88.9% QoQ
|
-1.39% |
1.32%
+10.8% YoY
|
0.35%
+477.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.0% in tier |
| Net Interest Margin ? |
4.56%
-3.1% YoY
+0.8% QoQ
|
+0.57% |
3.99%
+5.0% YoY
|
3.96%
+2.3% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
95.06%
-39.4% YoY
-11.1% QoQ
|
+30.58% |
64.48%
-3.2% YoY
|
81.56%
-13.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate ? |
0.07%
-84.0% YoY
-3.8% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
1.46%
+76.6% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
106.02%
+4.1% YoY
+8.8% QoQ
|
+28.07% |
77.95%
+1.0% YoY
|
84.92%
+5.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 5.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.64%
-4.1% YoY
-4.5% QoQ
|
-18.39% |
22.03%
-0.6% YoY
|
24.29%
+4.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 2.6% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-83.7% YoY
-3.6% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
1.10%
+71.6% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
14.67%
+11.5% YoY
+64.5% QoQ
|
-1.24% |
15.91%
+1.4% YoY
|
14.82%
-13.7% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.26%
+117.6% YoY
|
-0.30% |
0.57%
+7.6% YoY
|
0.29%
-0.6% YoY
|
0.66%
+5.2% YoY
|
66% |
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 |
3.6%
-0.2pp YoY -0.2pp QoQ |
-18.5pp | 22.1% | 24.3% | 22.2% | 2% |
| Brokered Deposits |
3.9%
-1.5pp QoQ |
-4.0pp | 7.9% | 7.6% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
49.5%
+3.8pp YoY -3.5pp QoQ |
+37.9pp | 11.6% | 20.4% | 12.5% | 99% |
| CRE | n/a | n/a | 39.5% | 53.9% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 22.4% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.1% | 11.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.7%
+1.5pp YoY +5.8pp QoQ |
-4.2pp | 18.8% | 16.6% | 19.7% | 46% |
| Leverage Ratio |
12.9%
0.0pp YoY +5.1pp QoQ |
+0.7pp | 12.2% | 11.4% | 12.6% | 74% |
| Total Capital Ratio |
15.9%
+1.5pp YoY +5.8pp QoQ |
-4.0pp | 19.9% | 17.8% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY +1 (+6.7%) QoQ |
-43 | 58 | 1,366 | 482 | 5% |
| Assets per Employee ($) |
$6.7M
+56.1% YoY -2.8% QoQ |
-$855K | $7.5M | $9.6M | $8.8M | 46% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 1.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.4pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.5% | 1.0% | 14% |
| Allowance Coverage |
16.94x
+426.1% YoY +8.2% QoQ |
-7.21x | 24.15x | 2.94x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
0.4%
-0.4pp QoQ |
+0.3pp | 0.1% | 0.6% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.7%
+17.4pp YoY +7.3pp QoQ |
-12.9pp | 12.2% | 4.1% | 11.6% | 3% |
| Cost of Funds (YTD) |
2.7%
-0.2pp YoY -0.2pp QoQ |
+1.0pp | 1.7% | 1.9% | 1.7% | 94% |
| Net Income ($, YTD) |
$-36000.0
+95.5% YoY — QoQ |
-$2.6M | $2.6M | $88.2M | $40.4M | 3% |
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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 (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
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).
Top Strengths (3 metrics)
484
Net Interest Margin
profitability
Value:
4.56%
Peer Median: 3.99%
#484 of 2643
Top 18.3% in $100M-$1B
605
Delinquency Rate
credit_quality
Value:
0.07%
Peer Median: 0.92%
#605 of 2633
Top 22.9% in $100M-$1B
612
Nonperforming Asset Ratio
credit_quality
Value:
0.06%
Peer Median: 0.67%
#612 of 2643
Top 23.1% in $100M-$1B
Top Weaknesses (7 metrics)
2601
Total Assets
size
Value:
$106.61M
Peer Median: $386.57M
#2601 of 2643
Bottom 1.6% in $100M-$1B
2580
Total Deposits
size
Value:
$89.73M
Peer Median: $326.73M
#2580 of 2643
Bottom 2.4% in $100M-$1B
2576
Non-Interest-Bearing Deposit Share
funding
Value:
3.64%
Peer Median: 22.03%
#2576 of 2643
Bottom 2.6% in $100M-$1B
2565
Return on Assets
profitability
Value:
-0.07%
Peer Median: 1.32%
#2565 of 2643
Bottom 3.0% in $100M-$1B
2560
Efficiency Ratio
profitability
Value:
95.06%
Peer Median: 64.48%
#2560 of 2643
Bottom 3.2% in $100M-$1B
2504
Loan-to-Deposit Ratio
liquidity
Value:
106.02%
Peer Median: 77.95%
#2504 of 2643
Bottom 5.3% in $100M-$1B
2198
Total Loans
size
Value:
$95.13M
Peer Median: $258.35M
#2198 of 2643
Bottom 16.9% in $100M-$1B