$915M
−2.6%y/y
Percentile by value94th percentileby value
FDIC
ASSETSH
Southwest Heritage Bank
Scottsdale, ArizonaFDIC Cert #29087
OCCEstablished 19349 branches
Holding company: BANCORP 34 INCRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSouthwest Heritage Bank reported $915M in total assets. Deposits declined 4.31% over the prior year.
Return on assets was 0.85%, compared with an asset-peer median of 1.22%. The leverage ratio was 13.16%.
- Why is Total Assets above asset peers?
- Why is CRE Concentration to Capital above asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$783M
−4.3%y/y
Percentile by value94th percentileby value
FDIC
DEP$697M
+4.6%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET0.85%
−29 bpsy/y
Peer standing27th percentile
FDIC
NETINC + ROA68.21%
−467 bpsy/y
Peer standing34th percentile
FDIC
NONIX + NIM + NONII + EEFFR13.16%
+206 bpsy/y
Peer standing81st percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $488M | $415M |
| Q3 2021 | $510M | $420M |
| Q4 2021 | $527M | $444M |
| Q1 2022 | $569M | $451M |
| Q2 2022 | $575M | $458M |
| Q3 2022 | $572M | $470M |
| Q4 2022 | $574M | $506M |
| Q1 2023 | $574M | $482M |
| Q2 2023 | $581M | $491M |
| Q3 2023 | $580M | $488M |
| Q4 2023 | $579M | $479M |
| Q1 2024 | $975M | $824M |
| Q2 2024 | $918M | $775M |
| Q3 2024 | $935M | $789M |
| Q4 2024 | $914M | $797M |
| Q1 2025 | $940M | $818M |
| Q2 2025 | $928M | $798M |
| Q3 2025 | $896M | $763M |
| Q4 2025 | $894M | $763M |
| Q1 2026 | $915M | $783M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $146M |
| Investor CRE | $291M |
| Multifamily | $50.1M |
| Construction | $66.9M |
| 1–4 family | $64.6M |
| C&I | $87.7M |
| Agriculture | $111K |
| Other | $122K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.85%27th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE6.46%18th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.01%60th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.21%34th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−4.31%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+4.56%43rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.83%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ13.16%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.91%26th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC319%90th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.85%75th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.92%Median 0.60%90th 1.39%Observations 13
ROE
FDIC
NETINC + ROE6.46%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −8.82%Median 6.46%90th 16.09%Observations 13
NIM
FDIC
NIM + NIMY4.01%67th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 3.68%90th 4.80%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.21%67th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 60.08%Median 78.38%90th 110.65%Observations 13
Deposits YoY
FDIC
DEP−4.31%9th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.12%Median +11.57%90th +51.00%Observations 12
Loans YoY
FDIC
LNLSNET+4.56%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.36%Median +10.08%90th +62.00%Observations 12
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.83%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 1.04%90th 2.97%Observations 12
Leverage
FDIC
RBC1AAJ13.16%83rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.31%Median 11.28%90th 17.63%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.91%45th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 2.86%90th 4.03%Observations 12
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC319%86th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 58%Median 192%90th 339%Observations 8
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 9 branches
- Headquarters
- Scottsdale, AZ
FDIC
OFFDOMOpen the Arizona dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data