Southwest Heritage Bank
Scottsdale, AZ · Cert 29087 · Peer group: banks under $1B in assets (n=581-629) · Bancorp 34 Inc.
SL · OCC · 8 branches
Q2 2026
$892.8MAssets
$707.2MLoans
$753.6MDeposits
$122.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 74% of banks under $1B in assets (rank 163 of 629).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets (rank 527 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.91%
Rank 368 of 629
Net Interest Margin
3.77%
Rank 246 of 629
Efficiency Ratio
71.46%
Rank 373 of 629
Equity / Assets
13.70%
Rank 163 of 629
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% | 1.01% | 1.45% | Beats 41% | 368 / 629 | |
| Return on Equity | 6.63% | 5.38% | 9.30% | 13.28% | Beats 31% | 433 / 629 | |
| Net Interest Margin | 3.77% | 3.03% | 3.54% | 4.05% | Beats 61% | 246 / 629 | |
| Efficiency Ratio | 71.46% | 58.35% | 67.79% | 79.08% | Beats 41% | 373 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.46% | 1.20% | Beats 40% | 349 / 581 | |
| Net Charge-Offs / Loans | 0.18% | n/a | 0.01% | 0.06% | Beats 9% | 527 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 15.11% | 11.24% | 13.84% | 18.77% | Beats 61% | 248 / 629 | |
| Total Risk-Based Capital Ratio | 16.25% | 11.58% | 14.43% | 19.66% | Beats 63% | 234 / 629 | |
| Equity / Assets | 13.70% | 9.09% | 10.65% | 13.80% | Beats 74% | 163 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 93.84% | 67.24% | 80.90% | 93.48% | 76th pctl | 142 / 594 | |
| Loans / Assets | 79.21% | 53.31% | 67.71% | 78.15% | 80th pctl | 128 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |