Southwest Heritage Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.03 percentage points in Q2 2026, from 326.00% to 319.97%. It was the largest change from Q1 2026 among the key lines here. Within Arizona, Southwest Heritage Bank is 6th of 12 on loan-to-deposit ratio, 93.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Southwest Heritage Bank sits 13.00 points higher, at 93.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $707.2M |
| Net loans and leases | $698.4M |
| Loans held for sale | $0 |
| Loans to total assets | 79.21% |
| Loan-to-deposit ratio | 93.84% |
| Net loans to equity capital | 5.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 63.03% |
| Multifamily (5+ residential) | 6.68% |
| Commercial and industrial | 11.84% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 319.97% |
| Construction concentration (Tier 1 capital + allowance) | 51.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.55% |
| Interest income on loans | $11.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $480.2M | $487.8M | 55.94% | 10.50% | 0.04% |
| Q4 2023 | $457.0M | $479.4M | 54.68% | 10.95% | 0.04% |
| Q1 2024 | $750.3M | $823.7M | 56.23% | 17.05% | 0.02% |
| Q2 2024 | $735.5M | $774.5M | 57.37% | 16.87% | 0.02% |
| Q3 2024 | $703.1M | $789.2M | 59.32% | 17.14% | 0.02% |
| Q4 2024 | $676.1M | $797.1M | 60.66% | 16.26% | 0.01% |
| Q1 2025 | $676.6M | $818.2M | 60.54% | 15.72% | 0.01% |
| Q2 2025 | $676.4M | $798.3M | 60.99% | 13.96% | 0.01% |
| Q3 2025 | $690.5M | $762.9M | 59.97% | 14.75% | 0.01% |
| Q4 2025 | $712.5M | $762.8M | 60.77% | 13.85% | 0.01% |
| Q1 2026 | $706.1M | $782.9M | 61.83% | 12.42% | 0.01% |
| Q2 2026 | $707.2M | $753.6M | 63.03% | 11.84% | 0.01% |
Southwest Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Heritage Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southwest Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29087) · FFIEC NIC profile (RSSD 955977)