Advertisement
Southwest Heritage Bank
Scottsdale, AZ · FDIC Certificate #29087 · Chartered 08/0
Total assets
$892.80M
Total deposits
$753.55M
Total equity
$122.27M
Net loans
$698.44M
Branches (offices)
8
Net income (YTD)
$4.05M
Rank: #1,154 of 4,213 U.S. banks by assets · #4 of 12 in Arizona. Assets changed -3.7% and deposits -5.6% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 6.74% |
| Net interest margin (YTD) | 4.04% |
| Equity to assets | 13.70% |
| Tier 1 leverage ratio | 13.36% |
| Uninsured deposits (share of deposits) | 30.8% |
| Noncurrent loans (share of loans) | 0.67% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 92.7% |
| Real estate loans (share of loans) | 89.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $623.31M | 89.2% | |
| Commercial & industrial | $83.73M | 12.0% | |
| Consumer / individual | $70.00K | 0.0% | |
| Construction & development | $66.52M | 9.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $574.95M | $458.13M | $2.67M | $55.32M |
| Jun 2023 | $581.10M | $491.38M | $1.27M | $65.12M |
| Jun 2024 | $917.77M | $774.51M | -$2.88M | $102.08M |
| Jun 2025 | $927.52M | $798.33M | $5.16M | $111.42M |
| Jun 2026 | $892.80M | $753.55M | $4.05M | $122.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arizona | $560.81M | 6 |
| New Mexico | $192.74M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $753.55M.
Similar-sized banks
United Bank & Trust ($892.91M) · Seattle Bank ($891.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement