BlastPoint's Banking Scorecard
Goldwater Bank, N.A.
Community
Specialty: Commercial
AZ
FDIC cert 58405
Phoenix, AZ
1484
banks in Community tier nationally
3 in AZ
View Community leaderboard (AZ) →
Goldwater Bank, N.A. has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.74% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.96% above tier
- - Nonperforming Asset Ratio 2.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$515.3M
+15.9% YoY
+8.6% QoQ
|
-$876.2M |
$1.4B
+2.0% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$419.2M
+5.7% YoY
-0.3% QoQ
|
-$556.3M |
$975.5M
+2.4% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$368.4M
+19.7% YoY
+5.8% QoQ
|
-$796.2M |
$1.2B
+1.7% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.85%
+10.2% YoY
-11.7% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.87%
-0.3% YoY
-1.2% QoQ
|
+0.21% |
3.66%
+9.1% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
72.63%
-5.2% YoY
+1.8% QoQ
|
+10.00% |
62.63%
-5.3% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
3.58%
+138.7% YoY
+4.4% QoQ
|
+2.96% |
0.63%
+18.3% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
113.80%
-11.7% YoY
-5.7% QoQ
|
+30.74% |
83.06%
+0.3% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.53%
-14.3% YoY
-26.6% QoQ
|
+4.48% |
21.05%
-0.9% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.95%
+49.4% YoY
-4.3% QoQ
|
+2.45% |
0.50%
+20.3% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.81%
-52.4% YoY
+10.9% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
113.80%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.58%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.95%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.80% · Tier avg: 83.06%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.53% · Tier avg: 21.05%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
22
22th pctile
Efficiency Ratio
Current: 72.63% · Tier avg: 62.63%
18
18th pctile
Total Loans
Current: $419.2M · Tier avg: $975.5M
2
2th pctile
Total Assets
Current: $515.3M · Tier avg: $1.4B
1
1th pctile
Total Deposits
Current: $368.4M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 3.58% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.95% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.95% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.58% · Tier avg: 0.63%
1
1th pctile
Total Deposits
Current: $368.4M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $515.3M · Tier avg: $1.4B
18
18th pctile
Total Loans
Current: $419.2M · Tier avg: $975.5M
22
22th pctile
Efficiency Ratio
Current: 72.63% · Tier avg: 62.63%
29
29th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.53% · Tier avg: 21.05%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.80% · Tier avg: 83.06%