GOLDWATER BANK, NATIONAL ASSOCIATION

PHOENIX, AZ | Medium | Est. April 2, 2007, midnight | FDIC #58405 | RSSD #3592047 | OCC
Latest Report: 2025-12-31

GOLDWATER BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in PHOENIX, AZ, established in April 2, 2007, midnight. As of 2025-12-31, the bank reported total assets of $515M and total deposits of $368M. Profitability stands at 0.56% ROA and 4.72% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 9.81%. Asset quality metrics show a non-performing loan ratio of 2.81% and a Texas Ratio of 19.02%. FDIC Certificate #58405.

Assets

$515M

Deposits

$368M

Loans

$425M

Equity

$58M

Profitability

Return on Assets (ROA) 0.56%
Return on Equity (ROE) 4.72%
Net Interest Margin (NIM) 3.95%
Yield on Assets 6.69%
Cost of Funds 2.91%

Asset Quality

NPL Ratio 2.81%
Net Charge-Off Ratio 0.04%
Texas Ratio 19.02%
NPA Ratio 2.35%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 9.81%
Tier 1 Capital 9.81%
Total Capital Ratio 10.30%
Leverage Ratio 11.46%
Loan-to-Deposit 115.30%

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