Financial strength ranking · Arizona · Call Report data as of Q2 2026
Best Banks in Arizona by Financial Strength
Gateway Commercial Bank ranks first among the 11 banks headquartered in Arizona we score, with a financial strength score of 55.2 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
- Ranked first
- Gateway Commercial Bank
- Its score
- 55.2 of 100
- Banks scored in Arizona
- 11
- Its return on assets
- 1.36%
Every scored bank in Arizona
Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.
| 1 | Gateway Commercial Bank Mesa | 55.2 | $231.4M |
| 2 | BNC National Bank Glendale | 50.0 | $1.05B |
| 3 | Zenith Bank & Trust Scottsdale | 50.0 | $133.0M |
| 4 | Southwest Heritage Bank Scottsdale | 44.6 | $892.8M |
| 5 | Gainey Business Bank Scottsdale | 42.7 | $106.6M |
| 6 | Western Alliance Bank Phoenix | 38.1 | $98.57B |
| 7 | Mission Bank Kingman | 34.5 | $185.1M |
| 8 | USAA Federal Savings Bank Phoenix | 29.8 | $106.19B |
| 9 | Goldwater Bank, N.A. Phoenix | 27.0 | $551.9M |
| 10 | Scottsdale Community Bank Scottsdale | 19.3 | $125.2M |
| 11 | Integro Bank Phoenix | 9.3 | $195.6M |
Full financials, 26-year trends & peer benchmarks on every institution, free. Start free →
How the score works
Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.
- Return on assets: higher is better.
- Efficiency ratio: lower is better.
- Tier 1 leverage ratio: higher is better.
- Nonperforming assets ratio: lower is better.
A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.
Frequently asked questions
What is the best bank in Arizona?
By our financial strength score, Gateway Commercial Bank of Mesa ranks first among the 11 scored banks headquartered in Arizona, scoring 55.2 out of 100 for Q2 2026: return on assets of 1.36%, an efficiency ratio of 52.31%, a Tier 1 leverage ratio of 12.00% and nonperforming assets of 0.82% of total assets. BNC National Bank and Zenith Bank & Trust rank second and third.
How are the best banks in Arizona ranked?
Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.
Does this ranking say which bank I should open an account with?
No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.
Best banks in other states
More in Arizona
Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.