FDIC Cert #59273 · Scottsdale, Arizona · Est. 2022

Gainey Business Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$104M
Total assets
D
Health grade · Weak
-2.06%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

Gainey Business Bank earns a PlainBankData health grade of D (38/100), with 9.33% Tier 1 capital, -2.06% ROA, 137% efficiency ratio.

#3,714
largest of 4,313 FDIC banks by assets
14th
percentile by asset size, nationally
9.33%
Tier 1 ratio - below the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 59273 · AZ D · 38/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (38/100)
  • BOTTOM-DECILE #4257/4307
  • PHOTO-FINISH Beach Cities Commerc… · CA
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 2.8% Texas
  • ROA-LOSS -2.06% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arizona: Beach Cities Commercial Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Gainey Business Bank

Lowest and highest poles plus nearest scored peers outside Arizona, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Beach Cities Commerc… · CA ·…38/100Fieldpoint Private B… · CT ·…38/100Gainey Business Bank · AZ · …38/100Icon Business Bank · CA · ne…38/100New Valley Bank & Tr… · MA ·…38/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Gainey Business Bank · July 2026

Call Report read for Gainey Business Bank in a high-failure state

Gainey Business Bank (FDIC Cert #59273) carries a PlainBankData health grade of D at 38/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,257 of 4,307. Tier 1 capital prints at 9.33%, missing the 10% well-capitalized line. The Texas Ratio is 2.84%, inside the sub-50% band analysts treat as healthy. Return on assets is -2.06%. Balance-sheet scale is $104M, 3,714th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Beach Cities Commercial Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Gainey Business Bank

16 FAILURE resolutions in Arizona since 2000, heavy vs the state corpus

Gainey Business Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about Gainey Business Bank's current Call Report.

  • SUNRISE BANK OF ARIZONA PHOENIX, AZ 2013 → FIRST FIDELITY BANK, NATIONAL ASSOCIATION
  • CENTRAL ARIZONA BANK SCOTTSDALE, AZ 2013 → WESTERN STATE BANK
  • GOLD CANYON BANK GOLD CANYON, AZ 2013 → FIRST SCOTTSDALE, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arizona banks.

How Gainey Business Bank's 38/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10038/100
Gainey Business Bank's composite health score
Tier 1 Capital Ratio (9.33%) 18/40
Return on Assets (ROA) (-2.06%) 0/25
Texas Ratio (2.84%) 20/20
Efficiency Ratio (137.06%) 0/15

38 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$104M

Total balance-sheet footings

Total Deposits

$94M

Customer-funded liabilities

Net Loans

$87M

Outstanding loan book

Net Income

$-1,476K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.93% 9.33% 10.73%
Basel III capital ratios - Gainey Business Bank

Where Gainey Business Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gainey Business Bank's score of 38/100 falls in the highlighted band.

Gainey Business Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

38 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Gainey Business Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Gainey Business Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gainey Business Bank's $104M falls in the highlighted band.

Capital & credit buffers at Gainey Business Bank

Tier 1 capital ratio
Well-capitalized 10%

9.33% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.33%
Texas Ratio
2.84%
Equity Capital
$8M

What these ratios mean →

Profitability metrics: Gainey Business Bank

Return on Assets (ROA)
1st percentile nationally
-2.06%
Return on Equity (ROE)
-17.37%
Efficiency Ratio
137.06%

What these mean →

Income & expense: loss period at Gainey Business Bank

$5M
Interest Income
$210K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Gainey Business Bank reports a Texas Ratio of 2.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Gainey Business Bank

Gainey Business Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,476K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 9.33% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Gainey Business Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Gainey Business Bank on FDIC BankFind →

Top banks in Arizona by total assets

Largest banks headquartered in Arizona
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  3. 3
    BNC National Bank $1.1B

    Glendale, AZ · Grade B

  4. 4
    Southwest Heritage Bank $894M

    Scottsdale, AZ · Grade B

  5. 5
    1st Bank Yuma $553M

    Yuma, AZ · Grade F

Top 5 banks in Arizona ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($104M here), outside Arizona so the neighborhood is not state containment.

Sibley State Bank $104M · IA Community Bank of Oelwein $103M · IA The Exchange State Bank of St. Paul,… $104M · KS Dedicated Community Bank $103M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gainey Business Bank (FDIC Cert #59273) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

Gainey Business Bank Call Report profile · FDIC Failed Bank List · Arizona FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arizona

All Arizona banks →
BankAssetsGradeROA
USAA Federal Savings BankPhoenix $108.0B B 0.40%
Western Alliance BankPhoenix $92.7B B 1.10%
BNC National BankGlendale $1.1B B 1.00%
Southwest Heritage BankScottsdale $894M B 0.98%
1st Bank YumaYuma $553M F 1.81%
Goldwater Bank, N.A.Phoenix $515M C 0.85%
Gateway Commercial BankMesa $228M A 1.16%
Mission BankKingman $186M B 0.37%