Goldwater Bank, N.A.: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Goldwater Bank, N.A.'s strongest measure in Q2 2026 is assets per employee ($9.2M vs. a $7.0M peer median). Its weakest relative measure is efficiency ratio (78.27% vs. 61.29%).
| Measure | Goldwater Bank, N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.63% | 1.28% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.44% | 3.89% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.27% | 61.29% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $7.0M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 110.74% | 81.48% | Context |
What it means for lending operations
Its efficiency ratio of 78.27% is above the 61.29% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Bartlett Bartlett, TN · $552M
- Fayette Savings Bank, SSB La Grange, TX · $552M
- Premier Community Bank Marion, WI · $552M
- Five Points Bank of Hastings Hastings, NE · $552M
- Nebraska Bank Dodge, NE · $552M
- Commercial Bank Ithaca, MI · $553M
Questions about Goldwater Bank, N.A.
How big is Goldwater Bank, N.A.?
Goldwater Bank, N.A., established in 2007, is headquartered in Phoenix, AZ. It reported $552M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Goldwater Bank, N.A.'s return on assets?
0.63% annualized in Q2 2026, against a 1.28% median for 1000 U.S. banks with half to twice its assets, ahead of 15% of them.
What is Goldwater Bank, N.A.'s efficiency ratio?
78.27% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 61.29%, and lower is better.
Is Goldwater Bank, N.A. growing its loans?
Net loans grew 11.1% over the year to Q2 2026, while deposits grew 23.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arizona bank ranked.