Arizona bank rankings, Q2 2026
12 FDIC-insured banks are headquartered in Arizona, holding $208.30B in combined assets as of Q2 2026. The median bank has $214M in assets, earns a 0.58% return on assets, and runs a 78.88% efficiency ratio.
Highest return on assets among community banks
- Gateway Commercial Bank Mesa 1.44%
- BNC National Bank Glendale 1.14%
- Southwest Heritage Bank Scottsdale 0.90%
- Goldwater Bank, N.A. Phoenix 0.63%
- Mission Bank Kingman 0.54%
- Scottsdale Community Bank Scottsdale 0.28%
- Zenith Bank & Trust Scottsdale 0.08%
Most efficient community banks (lowest efficiency ratio)
- Gateway Commercial Bank Mesa 48.98%
- BNC National Bank Glendale 62.07%
- Southwest Heritage Bank Scottsdale 67.51%
- Goldwater Bank, N.A. Phoenix 78.27%
- Mission Bank Kingman 79.49%
- Zenith Bank & Trust Scottsdale 87.99%
- Scottsdale Community Bank Scottsdale 91.17%
- Gainey Business Bank Scottsdale 95.06%
- Integro Bank Phoenix 108.16%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every Arizona bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| USAA Federal Savings Bank Phoenix | $106.19B | 0.90% | 69.23% | 5.30% |
| Western Alliance Bank Phoenix | $98.57B | 1.16% | 55.67% | 3.52% |
| BNC National Bank Glendale | $1.05B | 1.14% | 62.07% | 3.77% |
| Southwest Heritage Bank Scottsdale | $893M | 0.90% | 67.51% | 4.04% |
| Goldwater Bank, N.A. Phoenix | $552M | 0.63% | 78.27% | 3.44% |
| Gateway Commercial Bank Mesa | $231M | 1.44% | 48.98% | 3.78% |
| Integro Bank Phoenix | $196M | -1.03% | 108.16% | 4.24% |
| Mission Bank Kingman | $185M | 0.54% | 79.49% | 3.26% |
| Zenith Bank & Trust Scottsdale | $133M | 0.08% | 87.99% | 3.35% |
| Scottsdale Community Bank Scottsdale | $125M | 0.28% | 91.17% | 3.23% |
| Gainey Business Bank Scottsdale | $107M | -0.07% | 95.06% | 4.56% |
| West Valley National Bank Goodyear | $74M | -1.75% | 135.16% | 5.01% |
Method
Banks are FDIC-insured institutions headquartered in Arizona with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.