Gainey Business Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 128.79 percentage points in Q2 2026, from 1565.15% to 1693.94%. It was the largest change from Q1 2026 among the key lines here. Within Arizona, Gainey Business Bank is 8th of 12 on return on assets, 0.48% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Gainey Business Bank reported 0.48% on return on assets in Q2 2026, 0.77 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.67% |
| Tier 1 risk-based capital ratio | 14.67% |
| Total risk-based capital ratio | 15.92% |
| Tier 1 leverage ratio | 12.89% |
| Equity capital to assets | 12.61% |
| Tangible equity to tangible assets | 12.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.45% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 1693.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.48% |
| Return on equity | 4.64% |
| Net interest margin | 4.55% |
| Efficiency ratio | 85.60% |
| Yield on earning assets | 7.08% |
| Cost of funds | 2.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 107.27% |
| Core deposits to total deposits | 94.29% |
| Brokered deposits to total deposits | 3.87% |
| Deposits to assets | 84.16% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 42.38% | -12.65% |
| Q4 2023 | — | — | — | 28.89% | -7.97% |
| Q1 2024 | — | — | — | 26.13% | -5.40% |
| Q2 2024 | — | — | — | 26.87% | -6.29% |
| Q3 2024 | — | — | — | 24.09% | -5.25% |
| Q4 2024 | — | — | — | 19.28% | -8.25% |
| Q1 2025 | — | — | — | 16.42% | -3.56% |
| Q2 2025 | 13.16% | 13.16% | 14.41% | 12.84% | -1.95% |
| Q3 2025 | — | — | — | 10.68% | -1.49% |
| Q4 2025 | 9.33% | 9.33% | 10.58% | 8.37% | -1.66% |
| Q1 2026 | 8.92% | 8.92% | 10.12% | 7.81% | -0.63% |
| Q2 2026 | 14.67% | 14.67% | 15.92% | 12.89% | 0.48% |
Gainey Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gainey Business Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gainey Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59273) · FFIEC NIC profile (RSSD 5758445)