Total Assets
$104M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Gainey Business Bank — FDIC Bank Health Profile
Scottsdale, Arizona · Est. 2022. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #59273 San Francisco Region
F
Health grade
At Risk
Score: 18/100
Basel III capital ratios — Gainey Business Bank
Total Deposits
$94M
Customer-funded liabilities
Net Loans
$87M
Outstanding loan book
Net Income
$-1,283K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
9.54% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
9.54%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$8M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
-1.79%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
-15.03%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
137.06%
Income & Expense Breakdown
$5M
Interest Income
$210K
Non-Interest Income
$5M
Non-Interest Expense
FDIC Deposit Insurance
Gainey Business Bank is FDIC-insured (Certificate #59273). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Gainey Business Bank
Gainey Business Bank is an FDIC-insured institution (Certificate #59273) headquartered in Scottsdale, Arizona, established in 2022. The bank currently holds $104M in total assets and $94M in customer deposits, with $87M deployed as loans. It operates as a State chartered (State member bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Gainey Business Bank reports a Tier 1 Capital Ratio of 9.54% — meeting the 6% "adequately capitalized" minimum but below the 10% "well-capitalized" benchmark and a Texas Ratio of —. Equity capital stands at $8M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of -1.79% and a Return on Equity of -15.03%, with an Efficiency Ratio of 137.06% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of F (18/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Gainey Business Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Arizona by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Gainey Business Bank (FDIC Cert #59273) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Arizona
All Arizona banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| USAA Federal Savings Bank Phoenix | $108.0B | C | 0.40% |
| Western Alliance Bank Phoenix | $92.7B | C | 1.10% |
| BNC National Bank Glendale | $1.1B | C | 1.00% |
| Southwest Heritage Bank Scottsdale | $894M | C | 0.97% |
| 1st Bank Yuma Yuma | $553M | F | 1.81% |
| Goldwater Bank, N.A. Phoenix | $515M | F | 0.85% |
| Gateway Commercial Bank Mesa | $228M | F | 1.16% |
| Mission Bank Kingman | $186M | D | 0.37% |
Frequently Asked Questions
What is Gainey Business Bank's health grade? ▼
Gainey Business Bank receives a health grade of F (18/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Gainey Business Bank? ▼
Gainey Business Bank holds $104M in total assets and $94M in deposits. It is headquartered in Scottsdale, Arizona.
Is my money safe at Gainey Business Bank? ▼
Yes. Gainey Business Bank is FDIC-insured (Certificate #59273). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Gainey Business Bank's Tier 1 Capital Ratio? ▼
Gainey Business Bank has a Tier 1 Capital Ratio of 9.54%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
How efficient is Gainey Business Bank? ▼
Gainey Business Bank has an Efficiency Ratio of 137.06%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.