Gainey Business Bank is a state-chartered bank headquartered in Scottsdale, Arizona. At the end of Q2 2026 it reported $106.6M in total assets and $89.7M in deposits, with 1 office.
Based on its Q2 2026 filing, Gainey Business Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Arizona, it ranks 6th. Its strongest component is problem-loan coverage (99/100; 0.5%), and its lowest is earnings (17/100; -0.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (61 → 67), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 71 |
| Q2 2025 | 61 |
| Q3 2025 | 55 |
| Q4 2025 | 49 |
| Q1 2026 | 49 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 26.87% |
| Q3 2024 | 24.09% |
| Q4 2024 | 19.28% |
| Q1 2025 | 16.42% |
| Q2 2025 | 12.84% |
| Q3 2025 | 10.68% |
| Q4 2025 | 8.37% |
| Q1 2026 | 7.81% |
| Q2 2026 | 12.89% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -5.53% |
| Q3 2024 | -5.36% |
| Q4 2024 | -6.04% |
| Q1 2025 | -3.52% |
| Q2 2025 | -2.71% |
| Q3 2025 | -2.26% |
| Q4 2025 | -2.06% |
| Q1 2026 | -0.62% |
| Q2 2026 | -0.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $106.6M | 12.89% | 0.07% | -0.07% | 106.0% |
| Q1 2026 | 49 | $102.8M | 7.81% | 0.07% | -0.62% | 97.4% |
| Q4 2025 | 49 | $103.7M | 8.37% | 0.30% | -2.06% | 91.7% |
| Q3 2025 | 55 | $79.2M | 10.68% | 0.38% | -2.26% | 96.8% |
| Q2 2025 | 61 | $68.3M | 12.84% | 0.43% | -2.71% | 101.9% |
| Q1 2025 | 71 | $54.9M | 16.42% | 0.00% | -3.52% | 130.6% |
| Q4 2024 | 71 | $52.1M | 19.28% | 0.00% | -6.04% | 118.4% |
| Q3 2024 | 70 | $42.8M | 24.09% | 0.00% | -5.36% | 109.6% |
| Q2 2024 | 72 | $40.9M | 26.87% | 0.00% | -5.53% | 116.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arizona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Scottsdale Community BankBank Scottsdale, AZ | 38 out of 100, Low | $125.2M | 11.4% | 2.68% | vs |
| Zenith Bank & TrustBank Scottsdale, AZ | 76 out of 100, Strong | $133.0M | 17.9% | 0.00% | vs |
| Mission BankBank Kingman, AZ | 70 out of 100, Strong | $185.1M | 9.4% | 0.00% | vs |
| Integro BankBank Phoenix, AZ | 25 out of 100, Low | $195.6M | 9.9% | 3.71% | vs |
| Gateway Commercial BankBank Mesa, AZ | 68 out of 100, Moderate | $231.4M | 12.0% | 1.24% | vs |
| Goldwater Bank, N.A.Bank Phoenix, AZ | 35 out of 100, Low | $551.9M | 11.1% | 4.14% | vs |
Deposit insurance
Is my money safe at Gainey Business Bank?
Yes. Gainey Business Bank is an FDIC-insured institution (FDIC certificate #59273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.4% of deposits ($28.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.92% (benchmark: 10%).
1 location
Branches
Gainey Business Bank lists 1 office in 1 city. Most locations:
- Scottsdale, AZ (1)
Identity & history
Profile
- Legal name
- Gainey Business Bank
- Type
- State-chartered bank
- FDIC certificate #
- 59273
- RSSD ID
- 5758445
- Primary regulator
- FDIC
- Established
- June 8, 2022
- Headquarters
- 8501 N Scottsdale Rd, Scottsdale, AZ 85253
- Website
- www.gaineybusinessbank.com
- Employees
- 16
Quick answers
Gainey Business Bank: common questions
Is Gainey Business Bank FDIC insured?
Yes. Gainey Business Bank is an FDIC-insured institution (FDIC certificate #59273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Gainey Business Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Gainey Business Bank ever failed?
There is no failure record for FDIC certificate #59273 in the FDIC failed bank list.
How many branches does Gainey Business Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Scottsdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mayo Employees Federal Credit UnionCredit union Rochester, MN | 98 out of 100, Very strong | $1.5B | 14.9% | 0.05% | vs |
| Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT | 89 out of 100, Very strong | $32.6M | 14.5% | 0.87% | vs |
| Em Federal Credit UnionCredit union Mesa, AZ | 86 out of 100, Very strong | $11.7M | 15.7% | 0.24% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |
| Desert Financial Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $9.9B | 12.1% | 0.47% | vs |
| Banner Federal Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $65.2M | 13.5% | 0.70% | vs |