AZ lenders / Community Bank
Goldwater Bank, N.A.
Community Bank · Phoenix, AZ · Goldwater Bcorp Inc
- Total assets
- $525.1M
- CRE loan book
- $166.6M
- QoQ CRE growth
- 3.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.10% as of Q1 2026 — TX bank median 4.87% (1.23pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.10% | 6.15% |
| Q4 2025 | 6.30% | 6.35% |
| Q3 2025 | 6.24% | 6.31% |
| Q2 2025 | 6.47% | 6.54% |
| Q1 2025 | 6.34% | 6.39% |
| Q4 2024 | 6.28% | 6.37% |
| Q3 2024 | 6.06% | 6.24% |
| Q2 2024 | 5.78% | 5.91% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $166.6M | $81.1M | $13.5M | 233% | $9.1M |
| Q4 2025 | $160.4M | $80.3M | $7.2M | 227% | $8.1M |
| Q3 2025 | $154.6M | $85.1M | $6.6M | 223% | $5.2M |
| Q2 2025 | $138.5M | $83.5M | $4.4M | 202% | $5.6M |
| Q1 2025 | $125.7M | $77.1M | $4.2M | 184% | $309,000 |
| Q4 2024 | $128.7M | $78.8M | $4.2M | 193% | $1.0M |
| Q3 2024 | $112.8M | $67.9M | $2.6M | 173% | $290,000 |
| Q2 2024 | $101.0M | $53.5M | $2.6M | 153% | $336,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Community Savings BankCommunity Bank · Edgewood · $168.4M CRE book
- Peoples State BankCommunity Bank · Prairie Du Chien · $164.7M CRE book
- Upper Peninsula State BankCommunity Bank · Escanaba · $168.9M CRE book
- Cape Ann Savings BankCommunity Bank · Gloucester · $164.4M CRE book
- Peoples BankCommunity Bank · Clive · $169.3M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.