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Goldwater Bank, N.A.
Phoenix, AZ · FDIC Certificate #58405 · Chartered 04/0
Total assets
$551.94M
Total deposits
$408.32M
Total equity
$59.61M
Net loans
$452.17M
Branches (offices)
2
Net income (YTD)
$1.66M
Rank: #1,664 of 4,213 U.S. banks by assets · #5 of 12 in Arizona. Assets changed 20.9% and deposits 23.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 5.66% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 10.80% |
| Tier 1 leverage ratio | 11.13% |
| Uninsured deposits (share of deposits) | 40.5% |
| Noncurrent loans (share of loans) | 4.14% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 110.7% |
| Real estate loans (share of loans) | 97.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $440.48M | 97.4% | |
| Commercial & industrial | $17.46M | 3.9% | |
| Consumer / individual | $21.00K | 0.0% | |
| Construction & development | $88.06M | 19.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $372.17M | $264.75M | -$740.00K | $48.20M |
| Jun 2023 | $448.73M | $308.70M | $1.35M | $51.38M |
| Jun 2024 | $441.46M | $309.14M | $1.70M | $54.17M |
| Jun 2025 | $456.47M | $330.93M | $2.69M | $57.93M |
| Jun 2026 | $551.94M | $408.32M | $1.66M | $59.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arizona | $408.32M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $408.32M.
Similar-sized banks
Premier Community Bank ($552.10M) · Bank Of Bartlett ($551.84M)
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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