Gainey Business Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gainey Business Bank of Scottsdale, AZ against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.48% | 1.34% | -0.86% | 12th bottom |
| ROAE | 4.64% | 13.32% | -8.68% | 13th bottom |
| Net Interest Margin | 4.55% | 3.93% | +0.62% | 81st top |
| Efficiency Ratio | 85.60% | 61.14% | +24.46% | 9th bottom |
| PPNR / Avg Assets | 0.80% | 1.68% | -0.88% | 15th bottom |
| Yield on Earning Assets | 7.08% | 5.67% | +1.41% | 95th top |
| Cost of Funds | 2.73% | 1.88% | +0.85% | 10th bottom |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.07% | 0.94% | -0.87% | 76th top |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| ACL / NPLs (Coverage) | 1693.94% | 1538.66% | +155.28% | — |
| Texas Ratio | 0.45% | 7.33% | -6.88% | 81st top |
| Provision / NCO | 85.49% | 1395.69% | -1310.20% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.67% | 19.50% | -4.83% | 46th below |
| Tier 1 Ratio | 14.67% | 19.54% | -4.87% | 45th below |
| Total Capital Ratio | 15.92% | 20.62% | -4.70% | 47th below |
| Leverage Ratio | 12.89% | 12.14% | +0.75% | 74th above |
| Equity / Assets | 12.61% | 11.37% | +1.24% | 76th top |
| TCE / Tangible Assets | 12.61% | 11.09% | +1.52% | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.27% | 80.63% | +26.64% | 5th bottom |
| Core Deposit Ratio | 94.29% | 86.86% | +7.43% | 81st top |
| Wholesale Funding Ratio | 2.34% | 5.03% | -2.69% | 63rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 56.13% | 6.85% | +49.28% | 99th top |
| Loan Growth (Y/Y) | 58.79% | 7.90% | +50.89% | 99th top |
| Deposit Growth (Y/Y) | 52.93% | 6.28% | +46.65% | 99th top |
See Gainey Business Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gainey Business Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gainey Business Bank profile, how to read a UBPR, or how this data updates.