Goldwater Bank, N.A.

BankPhoenix, Arizona
goldwaterbank.com

Total Assets

$515.3M

Total Deposits

$368.4M

Branches

2

Established

2007

TFS Health Grade

$
F

54.4 / 100

Poor financial health

How we grade

Goldwater Bank, N.A. is a bank headquartered in Phoenix, Arizona, established in 2007. With $515.3M in total assets and 2 branch locations, it has a TFS Financial Health Grade of F (54.4/100).

Capital & Safety

Tier 1 Capital Ratio
11.46%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
3.54%

Profitability

Return on Assets (ROA)
0.85%(1%)
Return on Equity (ROE)
7.02%(10%)
Net Interest Margin
3.87%
Efficiency Ratio
72.63%(60%)

Lending & Liquidity

Total Loans
$424.7M
Loan-to-Deposit Ratio
113.80%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+15.93%
Deposit Growth (YoY)
+19.72%
Net Income
$4.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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