Major Rating Factors:
An analysis of stability tests since inception including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0).
Other Rating Factors:
Very Weak liquidity 0.1, driven by a liquidity ratio of 9.0 percent and a “hot money” ratio of 50.5 percent. A current level of 8.4 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Fair asset quality (3.9).
Asset Mix:
Comm re (47%), comm loans (14%), home mtgs (10%), securities (5%), home eq lns (1%), other (23%)
States with Branches:
AZ
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
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1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
--
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
16215 North 28th Avenue
Phoenix, AZ 85053
Phoenix, AZ 85053
Phone Number
(602) 805-5088
Year Founded
2022
FDIC Number
Website
Largest Affiliates
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