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Gainey Business Bank
Scottsdale, AZ · FDIC Certificate #59273 · Chartered 06/0
Total assets
$106.61M
Total deposits
$89.73M
Total equity
$13.45M
Net loans
$95.13M
Branches (offices)
1
Net income (YTD)
-$36.00K
Rank: #3,634 of 4,213 U.S. banks by assets · #11 of 12 in Arizona. Assets changed 56.1% and deposits 52.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.07% |
| Return on equity | -0.74% |
| Net interest margin (YTD) | 4.56% |
| Equity to assets | 12.61% |
| Tier 1 leverage ratio | 12.89% |
| Uninsured deposits (share of deposits) | 31.4% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | 0.42% |
| Loans to deposits | 106.0% |
| Real estate loans (share of loans) | 51.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $49.16M | 51.7% | |
| Commercial & industrial | $47.09M | 49.5% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $13.27M | 13.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $16.83M | $3.15M | -$180.00K | $13.68M |
| Jun 2023 | $27.07M | $12.44M | -$1.43M | $13.09M |
| Jun 2024 | $40.91M | $29.03M | -$1.18M | $10.39M |
| Jun 2025 | $68.28M | $58.67M | -$792.00K | $8.45M |
| Jun 2026 | $106.61M | $89.73M | -$36.00K | $13.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arizona | $89.73M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $89.73M.
Similar-sized banks
The Citizens Bank Of Edina ($106.70M) · Beauregard Federal Savings Bank ($106.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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