Safest Banks in Arizona 2026
Arizona has 14 FDIC-insured banks with an average Bank Health Score of 60/100 (C). The safest bank is 1st Bank Yuma with a score of 99/100.
Data from FDIC Q2 2024
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 | Zenith Bank&Trust | Scottsdale | A | 91 | 195.27% | 0.00% |
| 3 | USAA Federal Savings Bank | Phoenix | A | 86 | 15.96% | 1.02% |
| 4 | Bnc National Bank | Glendale | A | 84 | 14.68% | 0.43% |
| 5 | Western Alliance Bank | Phoenix | B | 74 | 11.96% | 1.80% |
| 6 | Southwest Heritage Bank | Scottsdale | C | 62 | 12.36% | 0.61% |
| 7 | Gateway Commercial Bank | Mesa | C | 60 | 0.00% | 0.00% |
| 8 | West Valley National Bank | Goodyear | C | 58 | 17.40% | 3.10% |
| 9 | Republic Bank of Arizona | Phoenix | C | 57 | 0.00% | 0.21% |
| 10 | Western Alliance Trust Co NA | Phoenix | C | 55 | 0.00% | 0.00% |
| 11 | Scottsdale Community Bank | Scottsdale | C | 52 | 0.00% | 0.00% |
| 12 | Gainey Business Bank | Scottsdale | F | 30 | 0.00% | 0.00% |
| 13 | Goldwater Bank N A | Phoenix | F | 20 | 0.00% | 2.69% |
| 14 | Integro Bank | Phoenix | F | 15 | 0.00% | 3.02% |
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).
Arizona has 14 FDIC-insured banks with a combined $195.9B in total assets. The average Bank Health Score across the state is 60/100.
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.
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%).