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Southwest Heritage Bank

$100M-$1B Specialty: Commercial AZ FDIC cert 29087

Scottsdale, AZ

9 branches across AZ · NM · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in AZ.
  • Deposits -5.6% year over year ($753.6M on the books).
  • Delinquency rate 0.68%.
  • Return on assets 0.90%.
  • Efficiency ratio 67.51% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 8 in AZ
View $100M-$1B leaderboard (AZ) →

Southwest Heritage Bank has 2 strengths but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.06% above tier average
  • + Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 8.1% in tier
  • - Credit Risk Growth: Bottom 12.8% in tier
  • - Deposit Outflow: Bottom 16.1% in tier
  • - Liquidity Strain: Bottom 25.0% in tier
  • - Credit Quality Pressure: Bottom 27.2% in tier
  • - Capital Constraint: Bottom 40.2% in tier
  • - Efficiency Ratio 3.03% above tier average
Get updates when Southwest Heritage Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Total Assets ? $892.8M
-3.7% YoY -2.4% QoQ
+$506.2M $386.6M
+1.2% YoY
$17.4B
+6.1% YoY
$6.3B
+7.7% YoY
Top 4.2% in tier
Total Loans ? $698.4M
+4.9% YoY +0.2% QoQ
+$440.1M $258.3M
+1.7% YoY
$9.3B
+8.2% YoY
$3.2B
+9.4% YoY
Top 2.6% in tier
Total Deposits ? $753.6M
-5.6% YoY -3.7% QoQ
+$426.8M $326.7M
+0.7% YoY
$14.8B
+6.2% YoY
$4.9B
+7.3% YoY
Top 4.3% in tier
Return on Assets ? 0.90%
-19.1% YoY +5.7% QoQ
-0.42% 1.32%
+10.8% YoY
0.35%
+477.8% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 4.04%
+5.3% YoY +0.8% QoQ
+0.06% 3.99%
+5.0% YoY
3.96%
+2.3% YoY
3.95%
+4.9% YoY
56%
Efficiency Ratio ? 67.51%
-6.8% YoY -1.0% QoQ
+3.03% 64.48%
-3.2% YoY
81.56%
-13.3% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.68%
+3.3% YoY -63.5% QoQ
-0.24% 0.92%
+15.7% YoY
1.46%
+76.6% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 92.69%
+11.1% YoY +4.1% QoQ
+14.73% 77.95%
+1.0% YoY
84.92%
+5.8% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 21.11%
-2.1% YoY -0.9% QoQ
-0.92% 22.03%
-0.6% YoY
24.29%
+4.4% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.53%
+12.5% YoY -62.5% QoQ
-0.14% 0.67%
+16.4% YoY
1.10%
+71.6% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 15.11%
+6.5% YoY +2.7% QoQ
-0.80% 15.91%
+1.4% YoY
14.82%
-13.7% YoY
17.09%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.09%
+77.1% YoY +267.0% QoQ
-0.47% 0.57%
+7.6% YoY
0.29%
-0.6% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Noninterest-Bearing 21.1%
-0.5pp YoY
-0.2pp QoQ
 -1.0pp 22.1% 24.3% 22.2% 50%
Brokered Deposits 0.3%
-0.3pp YoY
0.0pp QoQ
 -7.5pp 7.9% 7.6% 8.5% 10%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
C&I 12.0%
-2.2pp YoY
-0.6pp QoQ
 +0.4pp 11.6% 20.4% 12.5% 63%
CRE 80.1%
+2.8pp YoY
+0.7pp QoQ
 +40.6pp 39.5% 53.9% 41.4% 98%
1-4 Family 9.1%
-0.9pp YoY
-0.1pp QoQ
 -23.5pp 32.6% 22.4% 31.3% 10%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 11.3% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
CET1 Ratio 15.1%
+0.9pp YoY
+0.4pp QoQ
 -3.7pp 18.8% 16.6% 19.7% 50%
Leverage Ratio 13.4%
+1.5pp YoY
+0.2pp QoQ
 +1.2pp 12.2% 11.4% 12.6% 77%
Total Capital Ratio 16.3%
+0.8pp YoY
+0.3pp QoQ
 -3.7pp 19.9% 17.8% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Full-Time Employees 107
+6 (+5.9%) YoY
+6 (+5.9%) QoQ
 +48 58 1,366 482 89%
Assets per Employee ($) $8.3M
-9.1% YoY
-7.9% QoQ
 +$826K $7.5M $9.6M $8.8M 72%
Branch Count 9
0 YoY
0 QoQ
 +4 4 6 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 1.2% 0.4% 4%
Nonaccrual 0.7%
0.0pp YoY
-1.2pp QoQ
 -0.3pp 0.9% 1.5% 1.0% 61%
Allowance Coverage 1.84x
-23.3% YoY
+157.4% QoQ
 -22.31x 24.15x 2.94x 20.23x 45%
Net Charge-off Rate (YTD) 0.3%
+1.2pp YoY
0.0pp QoQ
 +0.1pp 0.1% 0.6% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
ROE 6.7%
-2.8pp YoY
+0.3pp QoQ
 -5.5pp 12.2% 4.1% 11.6% 20%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.9% 1.7% 78%
Net Income ($, YTD) $4.1M
-21.4% YoY
— QoQ
 +$1.5M $2.6M $88.2M $40.4M 81%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (6)

Margin Compression

decline
#26 of 307 • Bottom 8.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.90%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#121 of 936 • Bottom 12.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#87 of 535 • Bottom 16.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#174 of 691 • Bottom 25.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Credit Quality Pressure

risk
#342 of 1256 • Bottom 27.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.68%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Capital Constraint

risk
#44 of 107 • Bottom 40.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 92.69%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.11%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

70
Total Loans
size
Value: $698.44M
Peer Median: $258.35M
#70 of 2643 Top 2.6% in $100M-$1B
111
Total Assets
size
Value: $892.80M
Peer Median: $386.57M
#111 of 2643 Top 4.2% in $100M-$1B
114
Total Deposits
size
Value: $753.55M
Peer Median: $326.73M
#114 of 2643 Top 4.3% in $100M-$1B

Top Weaknesses (2 metrics)

2217
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2217 of 2643 Bottom 16.2% in $100M-$1B
2091
Loan-to-Deposit Ratio
liquidity
Value: 92.69%
Peer Median: 77.95%
#2091 of 2643 Bottom 20.9% in $100M-$1B
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