Goldwater Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 10.00 percentage points higher than in Q1 2026, at 243.43%. As of Q2 2026, Goldwater Bank, N.A. ranks first in Arizona on loan-to-deposit ratio among 12 banks, at 112.07%. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Goldwater Bank, N.A. sits 31.23 points higher, at 112.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $457.6M |
| Net loans and leases | $452.2M |
| Loans held for sale | $23.0M |
| Loans to total assets | 82.91% |
| Loan-to-deposit ratio | 112.07% |
| Net loans to equity capital | 7.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.72% |
| Multifamily (5+ residential) | 3.10% |
| Commercial and industrial | 3.81% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 243.43% |
| Construction concentration (Tier 1 capital + allowance) | 134.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $6.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $399.2M | $305.9M | 12.26% | 3.41% | 0.02% |
| Q4 2023 | $393.3M | $286.8M | 12.39% | 3.65% | 0.01% |
| Q1 2024 | $399.6M | $302.3M | 11.92% | 2.94% | 0.01% |
| Q2 2024 | $401.0M | $309.1M | 11.20% | 3.17% | 0.01% |
| Q3 2024 | $394.0M | $336.7M | 10.73% | 2.69% | 0.01% |
| Q4 2024 | $401.7M | $307.7M | 11.38% | 3.02% | 0.01% |
| Q1 2025 | $393.2M | $342.6M | 11.30% | 2.57% | 0.01% |
| Q2 2025 | $412.2M | $330.9M | 12.28% | 2.92% | 0.01% |
| Q3 2025 | $425.7M | $348.3M | 14.78% | 3.01% | 0.01% |
| Q4 2025 | $424.7M | $368.4M | 17.15% | 2.99% | 0.01% |
| Q1 2026 | $430.0M | $384.8M | 16.74% | 3.04% | 0.01% |
| Q2 2026 | $457.6M | $408.3M | 15.72% | 3.81% | 0.00% |
Goldwater Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Goldwater Bank, N.A., freeSource: Call Report Schedule RC-C, 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)