BanksGAINEY BUSINESS BANK

GAINEY BUSINESS BANK

SCOTTSDALE, AZSmallEst. June 8, 2022, midnightFDIC #59273RSSD #5758445FDIC
Latest · 2025-12-31

GAINEY BUSINESS BANK is an 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%. CET1 capital ratio: 9.54%. NPL ratio: 0.30% · Texas Ratio: 2.84%. Operates 1 domestic branch.

Assets
$104M
Deposits
$94M
Loans
$88M
Equity
$8M

Profitability

Return on Assets (ROA)-0.89%
Return on Equity (ROE)-9.88%
Net Interest Margin4.75%
Yield on Assets7.77%
Cost of Funds3.10%

Asset Quality

NPL Ratio0.30%
Net Charge-Off Ratio0.00%
Texas Ratio2.84%
NPA Ratio0.25%
ACL / Loans1.09%

Capital & Liquidity

CET1 Ratio9.54%
Tier 1 Capital9.54%
Total Capital Ratio10.69%
Leverage Ratio8.57%
Loan-to-Deposit92.87%

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