BlastPoint's Banking Scorecard
Southwest Heritage Bank
Scottsdale, AZ
9 branches across AZ · NM · TX
Southwest Heritage Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 5.6% in tier
- - Deposit Outflow: Bottom 12.8% in tier
- - Capital Constraint: Bottom 34.3% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - Efficiency Ratio 2.92% above tier average
- - Delinquency Rate 0.97% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$915.2M
-2.6% YoY
+2.4% QoQ
|
+$529.1M |
$386.1M
+0.5% YoY
|
$17.7B
+7.6% YoY
|
$6.2B
+9.1% YoY
|
Top 3.2% in tier |
| Total Loans ? |
$696.8M
+4.6% YoY
-0.8% QoQ
|
+$441.1M |
$255.7M
+1.1% YoY
|
$9.0B
+5.4% YoY
|
$3.2B
+10.8% YoY
|
Top 2.5% in tier |
| Total Deposits ? |
$782.9M
-4.3% YoY
+2.6% QoQ
|
+$454.9M |
$328.0M
+0.1% YoY
|
$15.1B
+6.7% YoY
|
$4.8B
+8.2% YoY
|
Top 3.3% in tier |
| Return on Assets ? |
0.85%
-25.1% YoY
-13.2% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
0.18%
+147.8% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
4.01%
+5.0% YoY
+4.7% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.92%
+3.9% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
68.21%
-6.4% YoY
-5.9% QoQ
|
+2.92% |
65.29%
-4.5% YoY
|
84.95%
-15.7% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
1.85%
+116.7% YoY
+14.6% QoQ
|
+0.97% |
0.89%
+18.8% YoY
|
1.32%
+84.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.0% in tier |
| Loan-to-Deposit Ratio ? |
89.01%
+9.3% YoY
-3.4% QoQ
|
+12.37% |
76.64%
+0.8% YoY
|
80.55%
-0.2% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
21.31%
-6.4% YoY
-2.0% QoQ
|
-0.71% |
22.02%
-1.0% YoY
|
23.51%
-4.3% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.41%
+132.7% YoY
+11.0% QoQ
|
+0.77% |
0.64%
+19.7% YoY
|
0.94%
+70.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.9% in tier |
| Tier 1 Capital Ratio ? |
14.71%
+8.5% YoY
+3.8% QoQ
|
-1.12% |
15.83%
+1.5% YoY
|
14.90%
-16.6% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.03%
-11.1% YoY
-77.1% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+2.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.0% in tier |
Get Full Access to Southwest Heritage Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.