GAINEY BUSINESS BANK

SCOTTSDALE, AZ | Small | Est. June 8, 2022, midnight | FDIC #59273 | RSSD #5758445 | FDIC
Latest Report: 2025-12-31

GAINEY BUSINESS BANK is asn small FDIC-insured commercial bank headquartered in SCOTTSDALE, AZ, established in June 8, 2022, midnight. As of 2025-12-31, the bank reported total assets of $104M and total deposits of $94M. Profitability stands at -0.89% ROA and -9.88% ROE, with a net interest margin of 4.75%. The bank's CET1 capital ratio is 9.54%. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 2.84%. FDIC Certificate #59273.

Assets

$104M

Deposits

$94M

Loans

$88M

Equity

$8M

Profitability

Return on Assets (ROA) -0.89%
Return on Equity (ROE) -9.88%
Net Interest Margin (NIM) 4.75%
Yield on Assets 7.77%
Cost of Funds 3.30%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio --
Texas Ratio 2.84%
NPA Ratio 0.25%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 9.54%
Tier 1 Capital 9.54%
Total Capital Ratio 10.69%
Leverage Ratio 8.57%
Loan-to-Deposit 92.87%

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