D
Goldwater Bank, National Association
PhoenixAZ
Rating Date
October 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 4.30
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 5.50
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 3.40%
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 1.88%
Non-Performing Loans to Capital 14.86%
Non-Performing Loans to Loans 2.05%
Balance Sheet Goldwater Bank, National Association
Phoenix, AZ
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Total Assets 456.47M
Total Deposits 330.93M
Capital and Reserves Goldwater Bank, National Association
Phoenix, AZ
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Capital 57.93M
Leverage Ratio 12.27
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio --
Liquidity Goldwater Bank, National Association
Phoenix, AZ
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Hot Money Ratio 51.88%
Liquidity Ratio 6.83%
Profitability Goldwater Bank, National Association
Phoenix, AZ
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5-Year Return on Average Assets 1.63%
Net Income 2.69M
Net Interest Spread 3.71%
Operating Profit to Average Assets 1.55%
Overhead Efficiency Ratio 68.07%
Return on Assets 1.16%
Return on Equity 9.42%