Southwest Heritage Bank: Peer Group Comparison
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, freeSource: 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.