Gainey Business Bank
Scottsdale, AZ
IDRSSD: 5758445
Total Assets
$103.89M
Latest filing
Total Deposits
$94.40M
Latest filing
Net Interest Margin
4.49%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Gainey Business Bank
8501 N Scottsdale Rd
Scottsdale, AZ 85253
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/08/2022FDIC Certificate 629853
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Gainey Business Bank (Main) | 8501 N Scottsdale Rd | Scottsdale, AZ | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/08/2022 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 85253 |
| State and County Number | 04013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Phoenix-Mesa-Chandler, AZ |
Operational Info
| Number of Employees | 15 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 06/08/2022 |
| Primary Insurance Agency | DIF |
| Website | gaineybusinessbank.com |
| Data Updated | 01/30/2026 |
| CERT | 59273 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $103.89M |
| Total Deposits | $94.40M |
| Total Liabilities | $95.71M |
| Total Equity Capital | $8.17M |
| Net Income | $-203,000 |
| Net Loans and Leases | $86.71M |
| Assets Per Employee ($Millions) | $6.93M |
| Bank Premises and Fixed Assets | $1.13M |
| Cash and Balances due from Depository Institutions | $660.00k |
| Deposits Held in Domestic Offices | $94.40M |
Key Performance Ratios
| Return on Assets (ROA) | -0.89% |
| Return on Equity (ROE) | -9.88% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 115.57% |
| Tier 1 Risk-Based Capital Ratio | 9.542% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.867% |
| Earning Assets to total Assets | 97.55% |
Income and Expense
| Total Interest Income | $1.64M |
| Total Noninterest Income | $111.00k |
| Total Interest Expense | $636.00k |
| Total Noninterest Expense | $1.28M |
| Net Interest Income | $1.00M |
| Pre-tax Net Operating Income | $-203,000 |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $14.63M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.31M |
| Total Liabilities and Capital | $103.89M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Gainey Business Bank?
$103.89M as of the latest filing.
How much are Gainey Business Bank's total deposits?
$94.40M in total deposits.
Where is Gainey Business Bank located?
Scottsdale, AZ.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
1.
When was it established?
06/08/2022.
What is the Return on Assets (ROA)?
-0.89%.
How much are total loans and leases?
$86.71M (latest filing).
What is the total interest income (latest filing)?
$1.64M.