Arizona

Banks

Arizona's 12 banks hold $208B in assets at 30 June 2026. USAA Federal Savings Bank is the largest at $106B, and the five largest hold 99% of the total; 3 institutions are above $1B, holding $206B.

Loans grew a median +8.7% in the year to 30 June 2026: 6 institutions grew faster than 10% and 1 shrank. The median bank lends 87% of its deposits and holds commercial real estate at 29.5% of loans. Nonperforming loans sit at a median 0.95% of the book, return on assets at 0.58%, and equity at 10.7% of assets.

2 of the 12 are in the catalogue, each read from its own filing beside the banks its size in the state: USAA Federal Savings Bank, Western Alliance Bank.

USAA Federal Savings Bank holds 51.0% of the state's bank assets; the five largest hold 99%, and 3 of the 12 are above $1B.

The curve's distance from the diagonal is the concentration: 99% of the assets in 42% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

1-4 family residential, closed-end is the largest category at 18.7% of the state's $114B in loans, then Credit card at 16.3% and Auto at 15.2%.

Zenith Bank & Trust grew fastest at +96.7%; 6 grew faster than 10% and 1 shrank, BNC National Bank the most at -1.2%. The median is +8.7%.

Southwest Heritage Bank is the most CRE-weighted at 57.6% of loans; 1 of the 12 are above 40%, against a median of 29.5%.

1 of the 12 bank sits above the 300% screen, Southwest Heritage Bank the highest at 311% of capital; the median is 186%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

1 of the 12 bank sits above the 100% construction screen, Goldwater Bank N A the highest at 147%; the median is 36%.

5 of the 12 lend more than they hold in deposits, Goldwater Bank N A the furthest at 112%; the median is 87%.

Goldwater Bank N A carries the most nonperforming loans at 4.14% of the book; 6 of the 12 are above 1%, and the median is 0.95%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 4 of the 12 hold an allowance smaller than their nonperforming loans.

Gateway Commercial Bank earns the most at 1.40% and West Valley National Bank the least at -1.81%; 5 of the 12 earn under 0.50%, and the median is 0.58%.

Gateway Commercial Bank runs the leanest at 49.0% of revenue in cost; 5 of the 12 spend more than 80 cents of every revenue dollar, and the median is 78.9%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
USAA Federal Savings Bank	$106B	+5.0%	0.0%	50%	1.07%	0.91%	5.5%
Western Alliance Bank	$98.6B	+10.5%	21.8%	80%	2.82%	1.13%	8.0%
BNC National Bank	$1.0B	-1.2%	39.3%	80%	0.84%	1.17%	11.6%
Southwest Heritage Bank	$893M	+4.5%	57.6%	94%	0.67%	0.89%	13.7%
Goldwater Bank N A	$552M	+11.0%	34.8%	112%	4.14%	0.62%	10.8%
Gateway Commercial Bank	$231M	+6.9%	29.4%	80%	1.24%	1.40%	11.1%
Integro Bank	$196M	+70.3%	25.2%	105%	3.71%	-0.98%	10.3%
Mission Bank	$185M	+0.1%	21.9%	42%	0.00%	0.54%	7.0%
Zenith Bank & Trust	$133M	+96.7%	38.4%	70%	0.00%	0.08%	16.2%
Scottsdale Community Bank	$125M	+50.9%	19.2%	102%	2.68%	0.28%	10.5%
Gainey Business Bank	$107M	+58.8%	35.6%	107%	0.07%	-0.07%	12.6%
West Valley National Bank	$74M	+6.2%	29.6%	111%	0.00%	-1.81%	9.1%

Credit unions

Arizona's 33 credit unions hold $35.6B in assets at 30 June 2026. Desert Financial is the largest at $9.9B, and the five largest hold 68% of the total; 9 institutions are above $1B, holding $30.1B.

Loans grew a median +1.8% in the year to 30 June 2026: 7 institutions grew faster than 10% and 13 shrank. The median credit union lends 71% of its shares, with member business loans at 0.0% of loans. Delinquent loans sit at a median 0.58% of the book, return on assets at 0.67%, and net worth at 11.0% of assets.

None of the 33 is in the catalogue yet.

Desert Financial holds 27.8% of the state's credit union assets; the five largest hold 68%, and 9 of the 33 are above $1B.

The curve's distance from the diagonal is the concentration: 68% of the assets in 15% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Prescott grew fastest at +29.4%; 7 grew faster than 10% and 13 shrank, U-haul the most at -23.9%. The median is +1.8%.

Avenir Financial carries the most commercial lending at 44.8% of loans; 7 of the 33 are above 10%, against a median of 0.0%.

0 of the 33 lend more than they hold in shares, Avenir Financial the furthest at 95%; the median is 71%.

U-haul carries the most delinquency at 7.14% of the book; 7 of the 33 are above 1%, and the median is 0.58%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 5 of the 33 hold an allowance smaller than their delinquent loans.

Winslow Santa Fe earns the most at 2.59% and Prescott the least at -1.87%; 9 of the 33 earn under 0.50%, and the median is 0.67%.

Winslow Santa Fe runs the leanest at 51.5% of revenue in cost; 13 of the 33 spend more than 80 cents of every revenue dollar, and the median is 74.1%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Desert Financial	$9.9B	+14.2%	16.8%	60%	0.47%	1.11%	12.1%
Oneaz	$4.5B	+19.8%	26.8%	77%	0.66%	1.16%	10.4%
Arizona Financial	$3.9B	+7.8%	34.8%	62%	0.39%	0.66%	11.8%
Vantage West	$3.3B	+7.2%	9.3%	89%	0.84%	0.78%	10.3%
Hughes	$2.6B	-1.9%	0.0%	89%	2.28%	0.12%	8.9%
Truwest	$1.7B	+5.7%	5.5%	89%	0.68%	0.67%	11.0%
Pima	$1.7B	+4.7%	44.7%	78%	0.56%	1.19%	9.4%
Credit Union West	$1.5B	+9.9%	0.2%	94%	0.38%	0.58%	10.5%
Tucson	$1.0B	+1.8%	5.9%	63%	1.43%	0.89%	10.9%
First	$812M	+9.4%	0.0%	75%	0.53%	0.24%	9.4%
Arizona Central	$733M	+5.4%	12.5%	94%	0.97%	0.51%	8.8%
Copper State	$701M	+12.8%	4.1%	80%	0.53%	0.40%	9.7%
Sunwest	$525M	+0.8%	0.0%	74%	0.48%	0.19%	11.0%
American Southwest	$440M	+4.2%	23.7%	61%	0.88%	1.56%	11.3%
Avenir Financial	$401M	+15.3%	44.8%	95%	0.39%	0.43%	12.8%