Goldwater Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Goldwater Bank, N.A. is an FDIC-insured commercial bank headquartered in Phoenix, AZ, established in 2007 (FDIC certificate 58405), and it is supervised by the OCC. At Q2 2026 it reported total assets of $551.9M, up 20.9% from Q2 2025, the 5th largest of 12 banks headquartered in Arizona. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 58405
- Headquarters
- Phoenix, AZ
- Established
- 2007
- Total assets, Q2 2026
- $551.9M
- Assets vs Q2 2025
- +20.9%
- Tier 1 leverage ratio, Q2 2026
- 11.13%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 122106277
- Latest call report
- Q2 2026, FFIEC 041 · Goldwater Bank, N.A. call report
- Holding company
- GOLDWATER BANCORP, INC.
- Asset rank in state
- 5th of 12 in Arizona
Problem loans are rising at Goldwater Bank, N.A.. Based in Phoenix, Arizona, it had $552 million in assets at June 30, 2026, up 20.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.41% of loans from 2.28% a year earlier. It pays an average of 2.76% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 24.0% of the capital and reserves that would absorb them, 9.1 times the median of 2.6% for banks its size.
Net income for the quarter rose 19% from a year earlier, to $1.3 million. Over the same year, loans grew 11.0% and deposits grew 23.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Goldwater Bank, N.A. reported a return on assets of 0.99%, a nonperforming-loan ratio of 4.14% and a Texas ratio of 24.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Goldwater Bank, N.A. is the 5th largest of the 12 banks headquartered in Arizona. From Q1 2026 to Q2 2026, its total assets rose 5.1% to $551.9M, loans rose 6.4% and deposits rose 6.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 58.2% of total loans, ahead of construction and land development loans at 19.2%. The FDIC Summary of Deposits lists 2 offices for it, in Phoenix, AZ and Lake Havasu City, AZ; its Phoenix office books 84% of its branch deposits. By the capital ratios in its Q2 2026 call report, Goldwater Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2525 E Camelback Rd, Phoenix, AZ 85016
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 2, 2007
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $408.3M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $111K
- Average total assets
- $539.6M
- Average total loans
- $459.4M
- Average interest-bearing deposits
- $282.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 2, 2007
- FDIC Cert
- 58405
- Fed RSSD
- 3592047
- SEC CIK
- 1892119 → filed by GOLDWATER BANCORP, INC.
- Website
- www.goldwaterbank.com →
- Parent Holding Company
- GOLDWATER BANCORP, INC. (RSSD 5617645)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Goldwater Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Goldwater Bank, N.A.'s total assets ranged from $433.6M (Q4 2023) to $551.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$551.9M total assets against $456.5M; $492.3M total liabilities against $398.5M.
$452.2M net loans and leases against $407.0M; $408.3M total deposits against $330.9M.
$62.9M securities against $13.7M; $13.2M cash and balances due against $13.8M.
$7.6M total interest income against $7.3M; $3.2M total interest expense against $2.8M.
$4.4M net interest income against $4.5M.
$1.3M total noninterest income against $1.1M; $4.2M total noninterest expense against $4.1M.
-$375K provision for credit losses against $0.
$1.3M net income against $1.1M.
0.99% return on assets against 0.95%; 3.23% net interest margin against 3.82%.
11.13% tier 1 leverage ratio against 12.27%.
Inside the full Goldwater Bank, N.A. 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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.
Goldwater Bank, N.A. rankings
Its closest position to the top of a national ranking is 112 of 3,640, for Texas Ratio; its furthest is 2,964 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q1 2026) to 1.38% (Q1 2025) and its net interest margin ran from 3.23% (Q2 2026) to 3.82% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.13% | 0.99% | 4.14% | 24.01% | 3.23% |
| Q1 2026 | 11.36% | 0.25% | 4.31% | 22.69% | 3.35% |
| Q4 2025 | 11.46% | 0.54% | 3.54% | 20.49% | 3.51% |
| Q3 2025 | 12.20% | 0.55% | 3.39% | 19.04% | 3.63% |
| Q2 2025 | 12.27% | 0.95% | 2.69% | 15.07% | 3.82% |
| Q1 2025 | 12.59% | 1.38% | 1.20% | 9.85% | 3.59% |
| Q4 2024 | 12.07% | 0.68% | 1.48% | 11.20% | 3.67% |
| Q3 2024 | 12.07% | 0.84% | 2.33% | 20.44% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Goldwater Bank, N.A. | Phoenix , AZ | 85016 | $342.9M |
| Lake Havasu City Branch | Lake Havasu City , AZ | 86403 | $65.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- May 11, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Goldwater Bank, National Association
- Period: Most recent institution action May 11, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AZ, rank 29 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 299 applications, 240 loans originated, $93.9M originated, across 25 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $470K approved, $470K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Goldwater Bank, N.A.
What are Goldwater Bank, N.A.'s total assets?
As of the Q2 2026 filing, Goldwater Bank, N.A. reported total assets of $551.9 million in its FFIEC call report.
Where is Goldwater Bank, N.A. headquartered?
It is headquartered in Phoenix, AZ, United States.
When was Goldwater Bank, N.A. founded?
It was established in 2007, per the FDIC institution directory.
Is Goldwater Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58405). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Goldwater Bank, N.A.?
Goldwater Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Goldwater Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Goldwater Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 24.01% 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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