Scottsdale Community Bank vs Goldwater Bank, N.A.
Comparing a Bank in Scottsdale, AZ with a Bank in Phoenix, AZ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Scottsdale Community Bank ↗ Bank · Scottsdale, AZ · Est. 2022 | Goldwater Bank, N.A. ↗ Bank · Phoenix, AZ · Est. 2007 | |
|---|---|---|
| Trust Grade | A · 92/100 | A · 92/100 |
| Institution type | Bank | Bank |
| Location | Scottsdale, AZ | Phoenix, AZ |
| Total assets | $117.2M | $525.1M |
| Capital ratio | 11.2% | 11.1% |
| Return on assets | 0.2% | 0.3% |
| Deposits | $94.6M | $384.8M |
| Branches | 1 | 2 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 12 | #4 of 12 |
| Established | 2022 | 2007 |
Scottsdale Community Bank
- Assets: $117.2M
- Deposits: $94.6M
- Capital ratio: 11.2%
- Return on assets: 0.2%
- CFPB complaints: 0
- State rank: #5 of 12
Goldwater Bank, N.A.
- Assets: $525.1M
- Deposits: $384.8M
- Capital ratio: 11.1%
- Return on assets: 0.3%
- CFPB complaints: 0
- State rank: #4 of 12
Are both institutions federally insured?
Yes. Scottsdale Community Bank is FDIC-insured and Goldwater Bank, N.A. is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Scottsdale Community Bank or Goldwater Bank, N.A.?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Scottsdale Community Bank scores higher with a grade of A (92/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Scottsdale Community Bank safe?
Yes — Scottsdale Community Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (92/100), reflecting its financial strength and complaint history relative to peers.
Is Goldwater Bank, N.A. safe?
Yes — Goldwater Bank, N.A. is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (92/100).
What is the capital ratio of Scottsdale Community Bank vs Goldwater Bank, N.A.?
Scottsdale Community Bank has a capital ratio of 11.2%, placing it in the top 36% of $100M–1B peers. Goldwater Bank, N.A.'s ratio is 11.1%, placing it in the top 36% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Scottsdale Community Bank have compared to Goldwater Bank, N.A.?
The CFPB database shows 0 complaints against Scottsdale Community Bank, and 0 complaints against Goldwater Bank, N.A.. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Scottsdale Community Bank with other Banks in Arizona
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
