Institution record
Gainey Business Bank
- Head office
- Scottsdale, AZ
- FDIC certificate
- 59273
- Assets
- $107M
Lefomi grade
Peer comparison- Peer group
- Banks, Under $300M
- Other peers
- 1,806
- Quarter ending
- June 30, 2026
The institution’s overall result is better than 15.1 percent of the 1,806 other banks with assets of under $300M, counting half of tied peers. This comparison uses filed data for the quarter ended June 30, 2026. It is not a verdict or forecast.
Grade bands
- Grade A
- 80 to 100
- Grade B
- 50 to under 80
- Grade C
- 20 to under 50
- Grade D
- 5 to under 20
- Grade F
- 0 to under 5
About 20 percent receive A, 30 percent B, 30 percent C, 15 percent D and 5 percent F within each group of institutions of the same type and similar size. These shares are built into the grading rules, though ties can change them. C is in the middle. A letter is a relative comparison, not a verdict or forecast.
Deposit insurance
FDIC insuredThe standard deposit insurance limit of $250,000 applies per depositor, per insured bank, per ownership category, meaning how an account is owned. The grade compares the bank with banks of similar size. It does not determine deposit insurance coverage.
FDIC institution recordRatios behind the grade
The raw ratio and percentile, its position among reporting peers, are separate numbers. A higher percentile means a more favorable comparison with reporting institutions of the same type and similar size. It accounts for each ratio’s direction, rather than indicating a larger raw ratio or a personal insurance percentage.
Deposits above the insured limit
31.4%31.4 percent of deposits exceed the FDIC insurance limit, better than 16.1 percent of banks under $300 million in assets. A lower uninsured share means less depositor money could face losses if the institution closes.
Unrealized bond losses vs equity
0.0%0.0 percent of equity is the gap between recorded and current market values of bonds intended to be held to maturity, with negative gaps shown as zero. 60.2 percent of similar banks have a larger gap, and this paper loss becomes real only if the bonds are sold before maturity.
Commercial real estate vs capital
234.6%Basis: total risk-based capital
Commercial real estate loans equal 234.6 percent of total risk-based capital, covering construction, non-owner-occupied commercial and multifamily loans but excluding owner-occupied property; the ratio can exceed 100 percent. 7.4 percent of similar banks have a higher concentration; losses in one lending type can affect more of the bank’s finances at once.
Problem loans vs capital (Texas ratio)
0.5%The Texas ratio is 0.5 percent, comparing seriously overdue loans and foreclosed real estate with equity and funds set aside for loan losses. This is better than 68.5 percent of similar banks.
Core capital vs assets
12.6%12.6 percent of total assets is tier 1 capital, meaning funds provided by the bank’s owners rather than deposits and borrowings. Its core capital ratio is better than 59.0 percent of similar banks, providing a larger cushion to absorb losses before depositors are affected.
Brokered deposits
3.9%Brokered deposits, gathered through third-party deposit brokers, make up 3.9 percent of total deposits and are sensitive to interest rates. 17.9 percent of similar banks have a higher share, though some banks use this funding deliberately.
Return on assets
-0.07%Return on assets is -0.07 percent, measuring annualized net income as a share of average assets. This return is better than 6.1 percent of similar institutions, while profits add to capital and losses reduce it.
Quarter commentary
Gainey Business Bank has an overall grade of D, which is better than 15.1 percent of similar banks under $300 million in assets. It has a negative return on assets of -0.07 percent, a yearly profit as a share of assets, which is worse than 93.9 percent of similar banks. Its commercial real estate loans make up 234.6 percent of its total risk-based capital, which is worse than 92.6 percent of similar banks. The bank had a letter grade of D as of June 30, 2026, improving from three consecutive F grades in the prior three quarters.
Filing summary
Gainey Business Bank, based in Scottsdale, AZ, has $107M in assets and the letter D, better than 15.1 percent of the 1,806 other banks under $300 million in assets. The letter compares this bank with banks of similar size and is not a verdict. Deposits above the insurance limit are 31.4 percent of deposits, lower than 16.1 percent of similar banks. Paper losses on bonds held until repayment equal 0.0 percent of equity, lower than 60.2 percent of similar banks. Commercial real estate loans are 234.6 percent of total risk-based capital, lower than 7.4 percent of similar banks, while the Texas ratio, troubled assets divided by equity plus reserves for loan losses, is 0.5 percent, lower than 68.5 percent of similar banks. Figures are from FDIC Call Report data for the quarter ending June 30, 2026.
Grade history
Score / 100
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History data
| Quarter ending | Score | Grade |
|---|---|---|
| Jun 30, 2022 | 74.7 | B |
| Sep 30, 2022 | 72.1 | B |
| Dec 31, 2022 | 71.4 | B |
| Mar 31, 2023 | 71.6 | B |
| Jun 30, 2023 | 72.9 | B |
| Sep 30, 2023 | 64.7 | B |
| Dec 31, 2023 | 76.5 | B |
| Mar 31, 2024 | 56.9 | B |
| Jun 30, 2024 | 73.2 | B |
| Sep 30, 2024 | 56.6 | B |
| Dec 31, 2024 | 59.2 | B |
| Mar 31, 2025 | 50.2 | B |
| Jun 30, 2025 | 15.2 | D |
| Sep 30, 2025 | 3.5 | F |
| Dec 31, 2025 | 0.9 | F |
| Mar 31, 2026 | 2.2 | F |
| Jun 30, 2026 | 15.1 | D |
Grade alerts
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Sources and dates
- Source
- FDIC Call Report
- Quarter ending
- June 30, 2026