Gainey Business Bank
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Data as of · sourced from FFIEC call reports. How we update
Gainey Business Bank is an FDIC-insured commercial bank headquartered in Scottsdale, AZ, established in 2022 (FDIC certificate 59273), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $106.6M, up 56.1% from Q2 2025, the 11th largest of 12 banks headquartered in Arizona. Its CET1 capital ratio was 14.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59273
- Headquarters
- Scottsdale, AZ
- Established
- 2022
- Total assets, Q2 2026
- $106.6M
- Assets vs Q2 2025
- +56.1%
- CET1 ratio, Q2 2026
- 14.67%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122106471
- Latest call report
- Q2 2026, FFIEC 051 · Gainey Business Bank call report
- Asset rank in state
- 11th of 12 in Arizona
Gainey Business Bank spends more to run itself than most banks of its size. It reported $107 million in assets at June 30, 2026, up 56.1% from a year earlier. It spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also pays an average of 2.73% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Its $47 million commercial and industrial book is improving, with 0.14% past due or on nonaccrual, down from 13.08% a year earlier. Loans are outrunning deposits: over the year loans rose 58.8% and deposits rose 52.9%. Profitability lags: it earns about $0.48 a year on every $100 of assets, about a third the median of $1.28 for banks its size.
As of June 30, 2026, Gainey Business Bank reported a CET1 capital ratio of 14.67%, a return on assets of 0.48%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.45%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Gainey Business Bank is the 11th largest of the 12 banks headquartered in Arizona. From Q1 2026 to Q2 2026, its total assets rose 3.7% to $106.6M, loans rose 4.0% and deposits fell 4.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 48.9% of total loans, followed by non-owner-occupied commercial real estate loans at 21.8%. The FDIC Summary of Deposits lists a single office for it, in Scottsdale, AZ. On its Q2 2026 call report, Gainey Business Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8501 N Scottsdale Rd, Scottsdale, AZ 85253
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 8, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $89.7M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $193K
- Average total assets
- $104.4M
- Average total loans
- $94.9M
- Average interest-bearing deposits
- $93.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 8, 2022
- FDIC Cert
- 59273
- Fed RSSD
- 5758445
- Website
- www.gaineybusinessbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Gainey Business Bank's total assets ran between $30.5M (Q3 2023) and $106.6M (Q2 2026), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$106.6M total assets against $68.3M; $93.2M total liabilities against $59.8M.
$95.1M net loans and leases against $59.8M; $89.7M total deposits against $58.7M.
$0 securities against $0; $9.8M cash and balances due against $6.7M.
$1.8M total interest income against $1.2M; $661K total interest expense against $444K.
$1.2M net interest income against $717K.
$265K total noninterest income against $73K; $1.2M total noninterest expense against $1.1M.
$85K provision for credit losses against $0.
$124K net income against -$321K.
0.48% return on assets against -1.95%; 4.55% net interest margin against 4.36%.
14.67% CET1 capital ratio against 13.16%; 12.89% tier 1 leverage ratio against 12.84%.
Inside the full Gainey Business Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Gainey Business Bank rankings
Its closest position to the top of a national ranking is 958 of 2,134, for CET1 ratio; its furthest is 3,388 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -8.25% (Q4 2024) to 0.48% (Q2 2026) and its net interest margin ran from 4.20% (Q4 2025) to 4.63% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.67% | 0.48% | 0.07% | 0.45% | 4.55% |
| Q1 2026 | 8.92% | -0.63% | 0.07% | 0.74% | 4.51% |
| Q4 2025 | 9.33% | -1.66% | 0.30% | 2.84% | 4.20% |
| Q3 2025 | — | -1.49% | 0.38% | 2.85% | 4.45% |
| Q2 2025 | 13.16% | -1.95% | 0.43% | 2.79% | 4.36% |
| Q1 2025 | — | -3.56% | 0.00% | 0.00% | 4.48% |
| Q4 2024 | — | -8.25% | 0.00% | 0.00% | 4.58% |
| Q3 2024 | — | -5.25% | 0.00% | 0.00% | 4.63% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gainey Business Bank (main office) | Scottsdale , AZ | 85253 | $89.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AZ, rank 52 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $13.9M approved, $3.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gainey Business Bank
What are Gainey Business Bank's total assets?
As of the Q2 2026 filing, Gainey Business Bank reported total assets of $106.6 million in its FFIEC call report.
Where is Gainey Business Bank headquartered?
It is headquartered in Scottsdale, AZ, United States.
When was Gainey Business Bank founded?
It was established in 2022, per the FDIC institution directory.
Is Gainey Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gainey Business Bank?
Gainey Business Bank's primary federal regulator is the FDIC.
What is Gainey Business Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Gainey Business Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gainey Business Bank's Texas Ratio?
Its Texas Ratio is 0.45% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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