0.25%
−81.7%y/y
Peer standing6th percentile
FDIC
NETINC + ROAGB
Goldwater Bank, N.A.
Phoenix, ArizonaFDIC Cert #58405
OCCEstablished 20072 branches
Holding company: GOLDWATER BCORP INCRegulator: OCC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
2.25%
−79.7%y/y
Peer standing6th percentile
FDIC
NETINC + ROE0.34%
−81.1%y/y
Peer standing7th percentile
FDIC
PTAXNETINC + ASSET3.50%
−6.0%y/y
Peer standing31st percentile
FDIC
NIM + NIMY6.10%
−3.2%y/y
Peer standing74th percentile
FDIC
INTINCY4.71%
−0.5%y/y
Peer standing0th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
83.69%
+32.3%y/y
Peer standing9th percentile
FDIC
NONIX + NIM + NONII + EEFFR3.25%
+3.4%y/y
Peer standing16th percentile
FDIC
NONIX + ASSET13.77%
−52.8%y/y
Percentile by value66th percentileby value
FDIC
NONII + NIM+12.27%
+92.4%y/y
Percentile by value87th percentileby value
FDIC
ASSET+12.30%
−7.8%y/y
Percentile by value87th percentileby value
FDIC
DEP+9.29%
+674.7%y/y
Percentile by value69th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.25%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE2.25%6th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY3.50%31st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR83.69%9th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+12.30%87th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+9.29%69th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.31%3rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ11.36%62nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.71%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.25%42nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.92%Median 0.60%90th 1.39%Observations 13
ROE
FDIC
NETINC + ROE2.25%42nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −8.82%Median 6.46%90th 16.09%Observations 13
NIM
FDIC
NIM + NIMY3.50%42nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 3.68%90th 4.80%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR83.69%42nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 60.08%Median 78.38%90th 110.65%Observations 13
Deposits YoY
FDIC
DEP+12.30%64th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.12%Median +11.57%90th +51.00%Observations 12
Loans YoY
FDIC
LNLSNET+9.29%45th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.36%Median +10.08%90th +62.00%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.31%0th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 1.04%90th 2.97%Observations 12
Leverage
FDIC
RBC1AAJ11.36%58th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.31%Median 11.28%90th 17.63%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM4.71%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 2.86%90th 4.03%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 58%Median 192%90th 339%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.