Gainey Business Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Gainey Business Bank's strongest measure in Q2 2026 is net interest margin (4.56% vs. a 3.94% peer median). Its weakest relative measure is return on assets (-0.07% vs. 1.15%).
| Measure | Gainey Business Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.07% | 1.15% | Bottom third Ahead of 5% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.56% | 3.94% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 95.06% | 65.47% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.4M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.02% | 74.76% | Context |
What it means for lending operations
Its efficiency ratio of 95.06% is above the 65.47% 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
- The Citizens Bank of Edina Edina, MO · $107M
- Beauregard Federal Savings Bank Deridder, LA · $106M
- Community Unity Bank Birmingham, MI · $107M
- Produce State Bank Hollandale, MN · $107M
- Breda Savings Bank Breda, IA · $106M
- Citizens Bank & Trust Rock Port, MO · $107M
Questions about Gainey Business Bank
How big is Gainey Business Bank?
Gainey Business Bank, established in 2022, is headquartered in Scottsdale, AZ. It reported $107M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Gainey Business Bank's return on assets?
-0.07% annualized in Q2 2026, against a 1.15% median for 999 U.S. banks with half to twice its assets, ahead of 5% of them.
What is Gainey Business Bank's efficiency ratio?
95.06% in Q2 2026: it spent about 95 cents in noninterest expense for each dollar of revenue. The peer median is 65.47%, and lower is better.
Is Gainey Business Bank growing its loans?
Net loans grew 59.1% over the year to Q2 2026, while deposits grew 52.9%.
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.