Skip to main content

Southwest Heritage Bank: Peer Group Comparison

Peer strength score 44/100
Peer group Banks with $100M to $1B in assets
Peers compared 2672
Quartile spread 3 top · 5 above · 11 below · 7 bottom
Equity / Assets · 83rdTCE / Tangible Assets · 81stLeverage Ratio · 77th Deposit Growth (Y/Y) · 6thAsset Growth (Y/Y) · 7thNCO / Avg Loans · 9th

Data as of · peers are US banks in the same asset tier. How we update

This page benchmarks Southwest Heritage Bank of Scottsdale, AZ against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.

How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.

Profitability

Metric This bank Peer avg Diff Rank vs median peer
ROAA 0.93% 1.34% -0.41% 29th below
ROAE 7.03% 13.32% -6.29% 21st bottom
Net Interest Margin 3.93% 3.93% +0.00% 49th below
Efficiency Ratio 66.82% 61.13% +5.69% 35th below
PPNR / Avg Assets 1.18% 1.68% -0.50% 28th below
Yield on Earning Assets 6.02% 5.67% +0.35% 69th above
Cost of Funds 2.48% 1.88% +0.60% 16th bottom
Net Interest Spread 3.00% 3.32% -0.32% 33rd below

Asset Quality

Metric This bank Peer avg Diff Rank vs median peer
NPL / Total Loans Ahead of the peer average, behind the median peer. 0.67% 0.94% -0.27% 38th below
NPA / Total Assets Ahead of the peer average, behind the median peer. 0.53% 0.70% -0.17% 37th below
NCO / Avg Loans 0.31% 0.16% +0.15% 9th bottom
ACL / Total Loans Behind the peer average, ahead of the median peer. 1.23% 1.28% -0.05% 54th above
ACL / NPLs (Coverage) 184.77% 1539.95% -1355.18% 45th below
Texas Ratio Ahead of the peer average, behind the median peer. 3.76% 7.33% -3.57% 48th below
Provision / NCO 0.00% 1397.33% -1397.33% 13th bottom

Capital Adequacy

Metric This bank Peer avg Diff Rank vs median peer
CET1 Ratio Behind the peer average, ahead of the median peer. 15.11% 19.51% -4.40% 50th above
Tier 1 Ratio 15.11% 19.54% -4.43% 49th below
Total Capital Ratio Behind the peer average, ahead of the median peer. 16.25% 20.63% -4.38% 50th above
Leverage Ratio 13.36% 12.14% +1.22% 77th top
Equity / Assets 13.70% 11.37% +2.33% 83rd top
TCE / Tangible Assets 13.18% 11.09% +2.09% 81st top

Liquidity & Funding

Metric This bank Peer avg Diff Rank vs median peer
Loan / Deposit 93.84% 80.63% +13.21% 21st bottom
Core Deposit Ratio 92.51% 86.86% +5.65% 71st above

Growth & Management

Metric This bank Peer avg Diff Rank vs median peer
Asset Growth (Y/Y) -3.74% 6.86% -10.60% 7th bottom
Loan Growth (Y/Y) 4.55% 7.91% -3.36% 45th below
Deposit Growth (Y/Y) -5.61% 6.30% -11.91% 6th bottom

See Southwest Heritage Bank's peers by name

The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export

Unlock Southwest Heritage Bank, free

Source: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southwest Heritage Bank profile, how to read a UBPR, or how this data updates.