Side-by-side · Q2 2026 data
Goldwater Bank, N.A. vs Gainey Business Bank
Metric by metric
| Measure | Goldwater Bank, N.A. | Gainey Business Bank |
|---|---|---|
| TellerScore | 35 | 67 (stronger) |
| Capital cushion | 61 | 79 (stronger) |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 45 (stronger) | 17 |
| Funding & liquidity | 22 | 36 (stronger) |
| Problem-loan coverage | 42 | 99 (stronger) |
| Peer percentile | 1st | 34th |
| Total assets | $551.9M | $106.6M |
| Deposits / shares | $408.3M | $89.7M |
| Capital ratio | 11.13% | 12.89% (stronger) |
| Problem loans | 4.14% | 0.07% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.42% |
| Return on assets | 0.63% (stronger) | -0.07% |
| Loans ÷ deposits | 110.7% | 106.0% (stronger) |
| Uninsured deposits | 40.5% | 31.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | — |
Gainey Business Bank has the higher TellerScore (67 vs 35). On the 7 directional measures above (where higher or lower is clearly better), Goldwater Bank, N.A. leads on 2 and Gainey Business Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.