Safest Banks in Arizona 2026
Arizona has 14 FDIC-insured banks with an average Bank Health Score of 76/100 (B). The safest bank is 1st Bank Yuma with a score of 99/100.
Data from FDIC Q2 2024
14 Arizona banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Arizona's 14 FDIC-insured banks hold a combined $195.9B in assets. Their average Bank Health Score of 76/100 sits 4.0 points below the national average of 80/100. Across the state, 71% of banks earn an A or B grade for financial health, while 7% fall to a D or F.
The largest bank headquartered in Arizona is USAA Federal Savings Bank with $111.7B in assets and a Bank Health Score of 86/100. The strongest by score is 1st Bank Yuma in Yuma (99/100, Tier 1 capital 17.82%). The weakest is Goldwater Bank N A at 47/100, dragged down by an NPL ratio of 2.69%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Arizona
1st Bank Yuma
Yuma, AZ
Arizona's top-rated bank, with a Tier 1 capital ratio of 17.82% — well above the federal "well-capitalized" threshold of 8%. Holds $624M in assets.
Gateway Commercial Bank
Mesa, AZ
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $200M in total assets.
Zenith Bank&Trust
Scottsdale, AZ
Third in the rankings on the Bank Health Score. Liquidity ratio of 78.85% and ROA of -0.13%.
Top 14 Banks in Arizona
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | 1st Bank Yuma | Yuma | A | 99 | 17.82% | 0.20% |
| 2 | Gateway Commercial Bank | Mesa | A | 91 | 13.27% | 0.00% |
| 3 | Zenith Bank&Trust | Scottsdale | A | 91 | 195.27% | 0.00% |
| 4 | Western Alliance Trust Co NA | Phoenix | A | 90 | 96.63% | 0.00% |
| 5 | Scottsdale Community Bank | Scottsdale | A | 87 | 25.12% | 0.00% |
| 6 | USAA Federal Savings Bank | Phoenix | A | 86 | 15.96% | 1.02% |
| 7 | Bnc National Bank | Glendale | A | 84 | 14.68% | 0.43% |
| 8 | Republic Bank of Arizona | Phoenix | B | 79 | 10.11% | 0.21% |
| 9 | Western Alliance Bank | Phoenix | B | 74 | 11.96% | 1.80% |
| 10 | Gainey Business Bank | Scottsdale | B | 65 | 26.87% | 0.00% |
| 11 | Southwest Heritage Bank | Scottsdale | C | 62 | 12.36% | 0.61% |
| 12 | West Valley National Bank | Goodyear | C | 58 | 17.40% | 3.10% |
| 13 | Integro Bank | Phoenix | C | 50 | 25.06% | 3.02% |
| 14 | Goldwater Bank N A | Phoenix | D | 47 | 12.16% | 2.69% |
Bank Health Scores for Arizona are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, 1st Bank Yuma in Yuma is currently the safest bank in Arizona with a score of 99/100 (Grade A). It posts a Tier 1 capital ratio of 17.82% and a nonperforming loan ratio of 0.20%.
Arizona has 14 FDIC-insured banks with a combined $195.9B in total assets. The average Bank Health Score across the state is 76/100 (Grade B).
Arizona's average Bank Health Score of 76/100 is 4.0 points below the national average of 80/100. 71% of banks in Arizona earn an A or B grade, compared with the national average grade of A.
Of 14 FDIC-insured banks headquartered in Arizona, 7 earn an A, 3 a B, 3 a C, 1 a D, and 0 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).