# GAINEY BUSINESS BANK
SCOTTSDALE, AZ · FDIC certificate 59273 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $106.6M | |
| Deposits | $89.7M | |
| Loans and leases | $96.2M | |
| Total equity | $13.4M | |
| Loans / deposits | 106.02% (p95 of band) | 73.59% |
| Liquid assets / assets | 9.23% (p2 of band) | |
| Uninsured deposits / deposits | 31.35% (p84 of band) | 19.81% |
| Brokered deposits | 3.25% | |
| Wholesale funding | 5.60% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.89% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -0.07% (p6 of band) | 1.17% |
| Net interest margin | 4.56% (p78 of band) | 3.93% |
| Efficiency ratio | 95.06% (p93 of band) | |
| Noncurrent loans | 0.07% (p32 of band) | 0.36% |
| Net charge-offs (annualized) | 0.37% (p96 of band) | |
| Reserve coverage of noncurrent | 1693.94% | |
| Real estate % of loans | 51% | |
| Construction % of loans | 98.65% (p94 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 52.9% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-06 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | capital falling |  |
| 2023-03 | 4 |  | NIM <2.5% |
| 2023-06 | 4 | loans exceed deposits | uninsured deposits >50% |
| 2023-09 | 6 | uninsured deposits >50%, uninsured deposits leaving |  |
| 2023-12 | 3 |  | loans exceed deposits, uninsured deposits >50%, uninsured deposits leaving |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 4 | loans exceed deposits | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | capital falling |  |
| 2025-03 | 6 | liquid assets <10%, uninsured deposits leaving | charge-offs p90 |
| 2025-06 | 6 | construction >100% equity | uninsured deposits leaving |
| 2025-09 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2025-12 | 4 |  |  |
| 2026-03 | 6 | liquid assets <10%, charge-offs p90 |  |
| 2026-06 | 5 | loans exceed deposits | capital falling, construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-03 [This startup Scottsdale bank will meet you on the golf course to close your loan - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQaVdWcllDc2l1NWlka3R2SjIxWFg5OXVIaEpibDE0WG93d0Q2cXk1NXRNcHBzbFYwQ0pzZDNNbkcweVk0YkZ0YXJ0T1YxU25BTTdhUmNmRjFfMGN3bVZhaEtMSE51Y01ZcW52d0ZINXl4Q29zOVdyREl6S1hIUVFaTkIyOXhwQ21qNzM4QUtVZ2tNTDZ0VUVGa2JPQm5wM2otaWg4RHlB?oc=5) · The Business Journals
- 2023-11-20 [AZ Big Spotlight: Gainey Business Bank, Capital Asset Management, MCO Realty - AZ Big Media](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQenc4b1lPWGNRdW1FT190VUxYY3pNVE9Ba0hkOHJkamVZdWNsYlNQWWhlUWg3YU5CVGIyeGdJXzNXc0FxUDlHQTB2Ql9yZGVGSFdScVRsT3hyYlFpYnFvTFBtYW9wTVNNZ29KaV81R3p4Y2RTeHZuZlVrdzlkTXMybDRlbFkta3V2NTNJclhYTWJOQ0RLQ3VodGtpWEU3ZGxzUXBWZ0dYbUwyUQ?oc=5) · AZ Big Media
- 2023-12-28 [For startup banks, 2023 was an up-and-down year - American Banker](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZGdwYmxNcU9HLV9BYU56MHlYX1o2SV9lbTJ4T2UzMEtMR2doMng5MzBDZW5uUW5yQUFCTkhycUdXM3V5RjdsZG9YMFdzcjlqbzZLTTFxcUtOcmpyTGZ1dzdlMTNRVXhGMXVxTnVhUm9Jc0FkQVJyU25Rb3F3cnNUaXJrTW5zQUprREE?oc=5) · American Banker
- 2022-12-02 [Businessmen of the Year: Three men who defied the odds and opened new Valley community banks - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxORUFxMkUxajZpMmtvcXdpSjRoUXFyaTkxXzlNUjVjcDFxUTVfZ1UwNVVoWHpnSmhfbkRfZmVkRFU4U1NGR0FjanBVZ2pDMmFodEY2WmkxM1J4Wm40Qm0yUkJVX0c4dDhhQl9vaTg4VGwySkhtNnk1R1JjelgtMDk4bFZQQ0RYekk4MDRrQjFyOWstLWw1?oc=5) · The Business Journals
- 2024-06-03 [Joseph Stewart Obituary - Phoenix, AZ (1956-2023) - Lowell Sun](https://news.google.com/rss/articles/CBMie0FVX3lxTE9VSWtUX2Rsay1qVjE0THRsSm5nMlRQNjJaV0NnMGpCd0JfNjBJLTYzekgxNFRyV0swbjl4SW9UUEJiME9wNTQwcUdxSTF5LS1ZSFJvVWd3UE5CY3ZEY2FBUHFFVmtuaGhRZERxakpUMEd4TFFZNmRXWE8wOA?oc=5) · Lowell Sun
- 2022-07-15 [Gainey Business Bank opens in Scottsdale — third new Valley bank out of the gate this year - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQVUhTQXZBeHFOVGtpQlZhdGZyZGthRzA3a0hxVWZBdFJ0Y2xJQjUzR0pLQWNjVVY2V0g1Mld3MlA5VUg1OVRoZ0o5d2tmalZabG5tM28xZDNSNGRSYVI4Z1B0MXc5SWFrekVTRHRsNk5IOExqbFlHaFktcmZWQUg5NkVJb1J1OUJfTzRPdHM0cHRuZw?oc=5) · The Business Journals
- 2024-03-25 [Bank 34, Commerce Bank of Arizona complete merger, open for business under new name - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWnJFWi1mVXZQQ1BZdGdkTFMxbmFxNDdTUi1hbWNTTGVqcUUwN0hobTd1YVVaaUlRMl9xaXJMVGJhVXphUDJnNDlEMndiV09LOFVJdFhwWVViSXV4YVpwdGdkLTdPUjB6cGtOSHIxbllmZmIxTFlZN1VOcjRwNjRyMzFTQTg4TVZlZXlJRnVfcHFaSld3MnBHM3F3?oc=5) · The Business Journals
- 2022-05-19 [Integro Bank gains conditional approval to launch, raise money - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNT0cxYTdVdnBfT1kzNmF2UExVakdEWWlqZFFFX1JiY3drTFZRTFl6TXBXZ0dUS0ZVVjJFNEhUSlBqQW5hTG44R3M3Q2NiSGxhLUZyVFNmVGVrd3dLNHU5dm55UnBKQVJ0MGFaTFpwY193VVpRbDFWRWpDNTBENE5VY0kzaEdncURpRzJRQktfUnRROC1vM1dfSkZjNVBVT1k?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59273 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "59273", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide