Goldwater Bank, N.A.
Phoenix, AZ
IDRSSD: 3592047
Total Assets
$474.32M
Latest filing
Total Deposits
$348.28M
Latest filing
Net Interest Margin
3.92%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Goldwater Bank, N.A.
2525 E Camelback Rd
Phoenix, AZ 85016
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/02/2007FDIC Certificate 450910
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Goldwater Bank, N.A. (Main) | 2525 E Camelback Rd | Phoenix, AZ |
| LAKE HAVASU CITY BRANCH | 10 Acoma Blvd S | Lake Havasu City, AZ |
Showing 1 of 1
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
Similar banks
Integro Bank
Phoenix, Arizona
→
Assets: $138.15MΔ -69.7%
Western Alliance Bank
Phoenix, Arizona
→
Assets: $86.62BΔ +18877.0%
USAA Federal Savings Bank
Phoenix, Arizona
→
Assets: $106.48BΔ +23226.2%
1st Bank Yuma
Yuma, Arizona
→
Assets: $580.73MΔ +27.2%
Gateway Commercial Bank
Mesa, Arizona
→
Assets: $212.50MΔ -53.4%
Mission Bank
Kingman, Arizona
→
Assets: $190.38MΔ -58.3%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/02/2007 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 85016 |
| State and County Number | 04013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 3 |
| 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 | 59 |
| Domestic Offices | 2 |
| 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 | 04/02/2007 |
| Primary Insurance Agency | DIF |
| Website | goldwaterbank.com |
| Data Updated | 11/14/2025 |
| CERT | 58405 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $474.32M |
| Total Deposits | $348.28M |
| Total Liabilities | $415.81M |
| Total Equity Capital | $58.51M |
| Net Income | $658.00k |
| Net Loans and Leases | $420.51M |
| Assets Per Employee ($Millions) | $8.47M |
| Bank Premises and Fixed Assets | $4.38M |
| Cash and Balances due from Depository Institutions | $19.33M |
| Deposits Held in Domestic Offices | $348.28M |
Key Performance Ratios
| Return on Assets (ROA) | 0.57% |
| Return on Equity (ROE) | 4.52% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 78.75% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.336% |
| Earning Assets to total Assets | 95.23% |
Income and Expense
| Total Interest Income | $7.13M |
| Total Noninterest Income | $712.00k |
| Total Interest Expense | $2.79M |
| Total Noninterest Expense | $3.98M |
| Net Interest Income | $4.34M |
| Pre-tax Net Operating Income | $949.00k |
| Provision for Credit Losses | $125.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $152.00k |
| Other borrowed funds | $60.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.53M |
| Total Liabilities and Capital | $474.32M |
Securities
| Securities | $12.70M |
| Available-for-sale debt securities | $300.00k |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $12.40M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Goldwater Bank, N.A.?
$474.32M as of the latest filing.
How much are Goldwater Bank, N.A.'s total deposits?
$348.28M in total deposits.
Where is Goldwater Bank, N.A. located?
Phoenix, AZ.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
2.
When was it established?
04/02/2007.
What is the Return on Assets (ROA)?
0.57%.
How much are total loans and leases?
$420.51M (latest filing).
What is the total interest income (latest filing)?
$7.13M.