Bank · FDIC insured
Goldwater Bank
Top CarrotA $551.9M bank headquartered in Phoenix, AZ, with 2 branches in Arizona. Best rates: CDs 4.35% and savings 4.00% APY.
Goldwater Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#3 of 60 in Phoenix, AZ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Goldwater Bank
Goldwater Bank, N.A. is a bank headquartered in Phoenix, Arizona.
In 2015, Kent Wiechert acquired the bank in a stock purchase transaction.
- Headquarters
- 2525 E Camelback Rd, Phoenix, AZ 85016
- FDIC certificate
- 58405 ↗
Branches
2 branches in Arizona
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Arizona
2 branches
Phoenix area · 1
- Goldwater Bank, N.A.Main office2525 E Camelback Rd, Phoenix, AZ 85016Directions
Lake Havasu City area · 1
- Lake Havasu City Branch10 Acoma Blvd S, Lake Havasu City, AZ 86403Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.13% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 4.14% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.63% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $112 | $81 | — |
- CapitalLeverage ratio11.13%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent4.14%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.63%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$112Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Goldwater Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.