Total Assets
$515M
Total balance-sheet footings
FDIC Cert #58405 · Phoenix, Arizona · Est. 2007
Goldwater Bank, N.A. - FDIC Bank Health Profile
A community-scale look at Goldwater Bank, N.A.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $515M
- Total assets
- C
- Health grade · Fair
- 0.85%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Goldwater Bank, N.A. earns a PlainBankData health grade of C (56/100), with well-capitalized at 11.46% Tier 1, 0.85% ROA, 73% efficiency ratio.
- #1,753
- largest of 4,313 FDIC banks by assets
- 59th
- percentile by asset size, nationally
- 11.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 33rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Goldwater Bank, N.A.'s 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Goldwater Bank, N.A.'s composite health score
Tier 1 Capital Ratio (11.46%) 28/40
Return on Assets (ROA) (0.85%) 14/25
Texas Ratio (23.63%) 10/20
Efficiency Ratio (72.63%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$368M
Customer-funded liabilities
Net Loans
$419M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Goldwater Bank, N.A. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Goldwater Bank, N.A.'s score of 56/100 falls in the highlighted band.
Goldwater Bank, N.A.'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). Goldwater Bank, N.A.'s $515M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.46%
Texas Ratio
23.63%
Equity Capital
$58M
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.85%
Return on Equity (ROE)
7.02%
Efficiency Ratio
72.63%
What the numbers say about Goldwater Bank, N.A.
Goldwater Bank, N.A. is an FDIC-insured institution (Certificate #58405) headquartered in Phoenix, Arizona, established in 2007. It holds $515M in total assets - 1,753rd of 4,313 FDIC-insured banks, $368M in customer deposits, and $419M in net loans. Its capital position: a Tier 1 ratio of 11.46%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 23.63% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Goldwater Bank, N.A. sits 6th of 13 banks headquartered in Arizona by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$29M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Goldwater Bank, N.A. reports a Texas Ratio of 23.63% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
23.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Arizona by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Goldwater Bank, N.A. (FDIC Cert #58405) - 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.
Other banks in Arizona
All Arizona banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
| Gateway Commercial BankMesa | $228M | A | 1.16% |
| Mission BankKingman | $186M | B | 0.37% |
| Integro BankPhoenix | $178M | B | 1.90% |
Frequently asked questions
What is Goldwater Bank, N.A.'s health grade?▼
Goldwater Bank, N.A. receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Goldwater Bank, N.A.?▼
Goldwater Bank, N.A. holds $515M in total assets and $368M in deposits, ranking 1,753rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Phoenix, Arizona.
Is my money safe at Goldwater Bank, N.A.?▼
Yes, deposits at Goldwater Bank, N.A. (Certificate #58405) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Goldwater Bank, N.A.'s Tier 1 Capital Ratio?▼
Goldwater Bank, N.A. has a Tier 1 Capital Ratio of 11.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Goldwater Bank, N.A.?▼
Goldwater Bank, N.A. has a Texas Ratio of 23.63%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Goldwater Bank, N.A.?▼
Goldwater Bank, N.A. has an Efficiency Ratio of 72.63%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Goldwater Bank, N.A.'s profile as a depositor or analyst.
- Goldwater Bank, N.A.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Goldwater Bank, N.A. against other Arizona banks before moving funds. Arizona banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.