RANKING ·
Lowest efficiency ratio in Arizona
11 of 13 banks in Arizona that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Gateway Commercial Bank | Mesa, AZ | 52.7% | $231 million |
| 2 | Western Alliance Bank | Phoenix, AZ | 52.9% | $98.6 billion |
| 3 | Bnc National Bank | Glendale, AZ | 61.2% | $1.0 billion |
| 4 | USAA Federal Savings Bank | Phoenix, AZ | 69.2% | $106 billion |
| 5 | Southwest Heritage Bank | Scottsdale, AZ | 70.6% | $893 million |
| 6 | Goldwater Bank N.A. | Phoenix, AZ | 73.5% | $552 million |
| 7 | Mission Bank | Kingman, AZ | 80.7% | $185 million |
| 8 | Zenith Bank & Trust | Scottsdale, AZ | 84.2% | $133 million |
| 9 | Gainey Business Bank | Scottsdale, AZ | 85.6% | $107 million |
| 10 | Scottsdale Community Bank | Scottsdale, AZ | 88.7% | $125 million |
| 11 | Integro Bank | Phoenix, AZ | 105.1% | $196 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings