Goldwater Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.68 percentage points higher than in Q1 2026, at 65.00%. Goldwater Bank, N.A. has the highest loan-to-deposit ratio of the 12 banks headquartered in Arizona, 112.07% as of Q2 2026. Goldwater Bank, N.A. reported 112.07% on loan-to-deposit ratio for Q2 2026, 31.23 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.2M |
| Cash and noninterest-bearing balances to assets | 2.39% |
| Cash and securities | $76.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $76.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.81% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 112.07% |
| Net loans and leases to deposits | 110.74% |
| Loans and leases to core deposits | 142.79% |
| Core deposits to total deposits | 65.00% |
| Brokered deposits to total deposits | 13.49% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 130.52% | 84.02% | $0 | $77.5M |
| Q4 2023 | 137.14% | 79.44% | $0 | $85.8M |
| Q1 2024 | 132.22% | 80.40% | $0 | $75.7M |
| Q2 2024 | 129.70% | 80.15% | $0 | $70.2M |
| Q3 2024 | 117.03% | 81.63% | $0 | $60.0M |
| Q4 2024 | 130.56% | 77.32% | $0 | $73.4M |
| Q1 2025 | 114.77% | 76.10% | $0 | $60.0M |
| Q2 2025 | 124.55% | 76.31% | $0 | $60.0M |
| Q3 2025 | 122.22% | 74.70% | $0 | $60.0M |
| Q4 2025 | 115.30% | 61.07% | $0 | $80.8M |
| Q1 2026 | 111.76% | 63.32% | $0 | $73.7M |
| Q2 2026 | 112.07% | 65.00% | $0 | $76.2M |
Goldwater Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Goldwater Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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 Goldwater Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58405) · FFIEC NIC profile (RSSD 3592047)