D
Goldwater Bank, National Association
PhoenixAZ
Rating Date
June 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Goldwater Bank, National Association
Phoenix, AZ
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Rating D
Asset Quality Index 6.10
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 5.30
Stability Index 3.70
Company Info Goldwater Bank, National Association
Phoenix, AZ
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FDIC Number 58405
Phone Number (480) 281-8200
Website goldwaterbank.com
Asset Quality Goldwater Bank, National Association
Phoenix, AZ
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1-Year Asset Growth 6.38%
5-Year Asset Growth 27.40%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 1.31%
Non-Performing Loans to Capital 5.34%
Non-Performing Loans to Loans 0.85%
Balance Sheet Goldwater Bank, National Association
Phoenix, AZ
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Total Assets 467.70M
Total Deposits 342.61M
Capital and Reserves Goldwater Bank, National Association
Phoenix, AZ
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Capital 57.19M
Leverage Ratio 12.59
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio --
Liquidity Goldwater Bank, National Association
Phoenix, AZ
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Hot Money Ratio 54.54%
Liquidity Ratio 13.25%
Profitability Goldwater Bank, National Association
Phoenix, AZ
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5-Year Return on Average Assets 1.63%
Net Income 1.57M
Net Interest Spread 3.59%
Operating Profit to Average Assets 1.83%
Overhead Efficiency Ratio 63.28%
Return on Assets 1.38%
Return on Equity 11.12%