BlastPoint's Banking Scorecard
Gainey Business Bank
Micro
Specialty: Commercial
AZ
FDIC cert 59273
Designations: ✓ Community bank
Scottsdale, AZ
2498
banks in Micro tier nationally
7 in AZ
View Micro leaderboard (AZ) →
Gainey Business Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.87% below tier
- - Efficiency Ratio 69.33% above tier
- - Non-Interest-Bearing Deposit Share 18.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.9M
+99.6% YoY
+31.1% QoQ
|
-$113.6M |
$217.5M
+2.3% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$86.7M
+96.0% YoY
+28.5% QoQ
|
-$52.5M |
$139.2M
+2.8% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$94.4M
+152.7% YoY
+35.4% QoQ
|
-$89.3M |
$183.7M
+1.8% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
-1.79%
+70.4% YoY
+20.9% QoQ
|
-2.87% |
1.08%
+14.7% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.59%
+4.5% YoY
-3.3% QoQ
|
+0.74% |
3.85%
+6.6% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
137.06%
-38.3% YoY
-7.1% QoQ
|
+69.33% |
67.73%
-4.8% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.30%
-22.2% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
91.86%
-22.4% YoY
-5.1% QoQ
|
+17.33% |
74.53%
+0.5% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
3.43%
+95.9% YoY
-36.3% QoQ
|
-18.96% |
22.39%
-1.3% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-23.7% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? | 9.54% | +0.69% |
8.85%
-3.4% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
+6.3% YoY
+61.8% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-1.79%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
137.06%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.43%
(Tier avg: 22.39%, National avg: 21.79%)
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
82
82th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.54% · Tier avg: 8.85%
37
37th pctile
Total Loans
Current: $86.7M · Tier avg: $139.2M
27
27th pctile
Total Deposits
Current: $94.4M · Tier avg: $183.7M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
24
24th pctile
Total Assets
Current: $103.9M · Tier avg: $217.5M
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.86% · Tier avg: 74.53%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.43% · Tier avg: 22.39%
1
1th pctile
Return on Assets
Current: -1.79% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 137.06% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 137.06% · Tier avg: 67.73%
1
1th pctile
Return on Assets
Current: -1.79% · Tier avg: 1.08%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.43% · Tier avg: 22.39%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.86% · Tier avg: 74.53%
24
24th pctile
Total Assets
Current: $103.9M · Tier avg: $217.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
27
27th pctile
Total Deposits
Current: $94.4M · Tier avg: $183.7M
37
37th pctile
Total Loans
Current: $86.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 9.54% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
82
82th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%