Southwest Heritage Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 113.10 percentage points in Q2 2026, from 71.67% to 184.77%. It was the largest change from Q1 2026 among the key lines here. Within Arizona, Southwest Heritage Bank is 6th of 12 on return on assets, 0.93% as of Q2 2026, above the middle of the field. Southwest Heritage Bank reported 0.93% on return on assets for Q2 2026, 0.32 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.11% |
| Tier 1 risk-based capital ratio | 15.11% |
| Total risk-based capital ratio | 16.25% |
| Tier 1 leverage ratio | 13.36% |
| Equity capital to assets | 13.70% |
| Tangible equity to tangible assets | 13.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.31% |
| Texas ratio | 3.76% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 184.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 7.03% |
| Net interest margin | 3.93% |
| Efficiency ratio | 66.82% |
| Yield on earning assets | 6.02% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.84% |
| Core deposits to total deposits | 92.51% |
| Brokered deposits to total deposits | 0.34% |
| Deposits to assets | 84.40% |
| Securities to assets | 10.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.00% | 14.00% | 15.26% | 11.80% | -1.22% |
| Q4 2023 | 13.57% | 13.57% | 14.79% | 11.66% | -0.80% |
| Q1 2024 | 10.40% | 10.40% | 11.65% | 8.78% | -2.00% |
| Q2 2024 | 12.36% | 12.36% | 13.61% | 10.58% | 0.88% |
| Q3 2024 | 13.03% | 13.03% | 14.28% | 10.98% | 0.85% |
| Q4 2024 | 13.74% | 13.74% | 15.00% | 11.06% | 0.18% |
| Q1 2025 | 13.56% | 13.56% | 14.81% | 11.10% | 1.12% |
| Q2 2025 | 14.18% | 14.18% | 15.44% | 11.86% | 1.08% |
| Q3 2025 | 14.29% | 14.29% | 15.54% | 12.26% | 0.85% |
| Q4 2025 | 14.17% | 14.17% | 15.42% | 12.90% | 0.81% |
| Q1 2026 | 14.71% | 14.71% | 15.93% | 13.16% | 0.85% |
| Q2 2026 | 15.11% | 15.11% | 16.25% | 13.36% | 0.93% |
Southwest Heritage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest Heritage Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)