SOUTHWEST HERITAGE BANK

SCOTTSDALE, AZ | Medium | Est. Aug. 1, 1934, midnight | FDIC #29087 | RSSD #955977 | OCC
Latest Report: 2025-12-31

SOUTHWEST HERITAGE BANK is amn medium FDIC-insured commercial bank headquartered in SCOTTSDALE, AZ, established in Aug. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $894M and total deposits of $763M. Profitability stands at 0.82% ROA and 6.25% ROE, with a net interest margin of 3.97%. The bank's CET1 capital ratio is 14.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.60% and a Texas Ratio of 8.87%. FDIC Certificate #29087.

Assets

$894M

Deposits

$763M

Loans

$712M

Equity

$118M

Profitability

Return on Assets (ROA) 0.82%
Return on Equity (ROE) 6.25%
Net Interest Margin (NIM) 3.97%
Yield on Assets 6.26%
Cost of Funds 2.47%

Asset Quality

NPL Ratio 1.60%
Net Charge-Off Ratio -0.42%
Texas Ratio 8.87%
NPA Ratio 1.27%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 14.17%
Tier 1 Capital 14.17%
Total Capital Ratio 15.42%
Leverage Ratio 12.90%
Loan-to-Deposit 93.41%

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