D
Goldwater Bank, National Association
PhoenixAZ
Rating Date
March 2026
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 3.70
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 4.40
Stability Index 7.80
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 15.93%
5-Year Asset Growth 11.64%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 2.35%
Non-Performing Loans to Capital 20.01%
Non-Performing Loans to Loans 2.81%
Balance Sheet Goldwater Bank, National Association
Phoenix, AZ
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Total Assets 515.28M
Total Deposits 368.38M
Capital and Reserves Goldwater Bank, National Association
Phoenix, AZ
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Capital 58.03M
Leverage Ratio 11.46
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio --
Liquidity Goldwater Bank, National Association
Phoenix, AZ
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Hot Money Ratio 48.25%
Liquidity Ratio 5.44%
Profitability Goldwater Bank, National Association
Phoenix, AZ
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5-Year Return on Average Assets 1.63%
Net Income 4.03M
Net Interest Spread 3.64%
Operating Profit to Average Assets 1.12%
Overhead Efficiency Ratio 72.63%
Return on Assets 0.84%
Return on Equity 7.00%