Southwest Heritage Bank
Scottsdale, AZ · Cert 29087 · Peer group: banks under $1B in assets (n=573-620) · Bancorp 34 Inc.
SL · OCC · 8 branches
Q2 2026
$892.8MAssets
$707.2MLoans
$753.6MDeposits
$122.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 75% of banks under $1B in assets (rank 156 of 620).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets (rank 520 of 573).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.91%
Rank 356 of 620
Net Interest Margin
3.77%
Rank 236 of 620
Efficiency Ratio
71.46%
Rank 365 of 620
Equity / Assets
13.70%
Rank 156 of 620
Non-interest income vs. expense
Unfavorable gap of $24.0M · efficiency ratio beats 41% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.60% | 1.00% | 1.45% | Beats 43% | 356 / 620 | |
| Return on Equity | 6.63% | 5.30% | 9.30% | 13.29% | Beats 32% | 422 / 620 | |
| Net Interest Margin | 3.77% | 3.02% | 3.53% | 4.04% | Beats 62% | 236 / 620 | |
| Efficiency Ratio | 71.46% | 58.35% | 68.08% | 79.37% | Beats 41% | 365 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.47% | 1.27% | Beats 41% | 339 / 573 | |
| Net Charge-Offs / Loans | 0.18% | n/a | 0.01% | 0.06% | Beats 9% | 520 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 15.11% | 11.27% | 13.87% | 18.78% | Beats 60% | 248 / 620 | |
| Total Risk-Based Capital Ratio | 16.25% | 11.69% | 14.57% | 19.67% | Beats 62% | 237 / 620 | |
| Equity / Assets | 13.70% | 9.03% | 10.60% | 13.73% | Beats 75% | 156 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 93.84% | 65.08% | 79.69% | 92.47% | 77th pctl | 132 / 585 | |
| Loans / Assets | 79.21% | 51.85% | 67.17% | 77.86% | 81st pctl | 117 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |