Goldwater Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Goldwater Bank, N.A. of Phoenix, 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 | 0.99% | 1.34% | -0.35% | 33rd below |
| ROAE | 9.03% | 13.32% | -4.29% | 30th below |
| Net Interest Margin | 3.23% | 3.93% | -0.70% | 17th bottom |
| Efficiency Ratio | 73.45% | 61.13% | +12.32% | 22nd bottom |
| PPNR / Avg Assets | 1.11% | 1.68% | -0.57% | 25th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.63% | 5.67% | -0.04% | 51st above |
| Cost of Funds | 2.76% | 1.88% | +0.88% | 9th bottom |
| Net Interest Spread | 1.95% | 3.32% | -1.37% | 4th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.37% | 0.94% | +2.43% | 5th bottom |
| NPA / Total Assets | 2.79% | 0.70% | +2.09% | 4th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.16% | -0.09% | 22nd bottom |
| ACL / Total Loans | 1.19% | 1.28% | -0.09% | 48th below |
| ACL / NPLs (Coverage) | 35.22% | 1539.55% | -1504.33% | 5th bottom |
| Texas Ratio | 29.38% | 7.32% | +22.06% | 3rd bottom |
| Provision / NCO | 0.00% | 1396.62% | -1396.62% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.13% | 12.14% | -1.01% | 53rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.37% | -0.57% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.15% | 11.09% | -0.94% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 112.07% | 80.62% | +31.45% | 3rd bottom |
| Core Deposit Ratio | 65.00% | 86.87% | -21.87% | 3rd bottom |
| Wholesale Funding Ratio | 13.81% | 5.03% | +8.78% | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.92% | 6.84% | +14.08% | 95th top |
| Loan Growth (Y/Y) | 11.02% | 7.90% | +3.12% | 77th top |
| Deposit Growth (Y/Y) | 23.39% | 6.28% | +17.11% | 96th top |
See Goldwater Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Goldwater Bank, N.A., 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 Goldwater Bank, N.A. profile, how to read a UBPR, or how this data updates.