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Asset Quality · Arizona

US Banks with Highest Texas Ratio in Arizona

Ranked among banks headquartered in Arizona. Re-ranked 1-13 within the state from the same national ranking population.

#1 Texas Ratio: GOLDWATER BANK, NATIONAL ASSOCIATION — 28.80% . The Texas Ratio is the most-cited bank failure-prediction metric. A ratio above 100% historically correlates with elevated failure risk.

Ranked: 13 banks with reported data Showing: Top 13 Source: FFIEC call reports (Q1 2026) What is this metric? See the US Banks with … glossary entry Go deeper: What Is the Texas Ratio? A Bank Failure Warning Sign
# Bank HQ US Banks with … Total Assets
1 Goldwater Bank, N.A. Phoenix , AZ 28.80% $525.1M
2 Western Alliance Bank Phoenix , AZ 27.66% $98.77B
3 Integro Bank Phoenix , AZ 20.59% $188.6M
4 Southwest Heritage Bank Scottsdale , AZ 10.45% $915.2M
5 Usaa Federal Savings Bank Phoenix , AZ 7.15% $109.67B
6 Gateway Commercial Bank Mesa , AZ 7.05% $246.6M
7 Bnc National Bank Glendale , AZ 5.37% $1.06B
8 Mission Bank Kingman , AZ 2.49% $182.2M
9 1st Bank Yuma Yuma , AZ 1.81% $553.4M
10 Gainey Business Bank Scottsdale , AZ 0.74% $102.8M
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11 Republic Bank of Arizona Phoenix , AZ 0.72% $284.2M
12 Scottsdale Community Bank Scottsdale , AZ 0.00% $117.2M
13 Zenith Bank & Trust Scottsdale , AZ 0.00% $122.6M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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