FDIC Cert #29087 · Scottsdale, Arizona · Est. 1934

Southwest Heritage Bank - FDIC Bank Health Profile

A community-scale look at Southwest Heritage Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$894M
Total assets
B
Health grade · Good
0.98%
Return on assets
14.2%
Tier 1 capital

Data updated July 2026

The verdict

Southwest Heritage Bank earns a PlainBankData health grade of B (69/100), with well-capitalized at 14.17% Tier 1, 0.98% ROA, 72% efficiency ratio.

#1,149
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
14.17%
Tier 1 ratio - above the 10% well-capitalized line
41st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 29087 · AZ B · 69/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (69/100)
  • MID-PACK #3100/4307
  • PHOTO-FINISH Southern Hills Commu… · OH
  • TIER1-WELL 14.2% Tier 1
  • TEXAS-CLEAN 8.9% Texas
  • ROA-PAR 0.98% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arizona: Southern Hills Community Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Southwest Heritage Bank

Lowest and highest poles plus nearest scored peers outside Arizona, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Century Bank · NM · near69/100Home Bank SB · IN · near69/100Phoenixville Federal… · PA ·…69/100Southern Hills Commu… · OH ·…69/100Southwest Heritage B… · AZ ·…69/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Southwest Heritage Bank · July 2026

Call Report read for Southwest Heritage Bank in a high-failure state

Southwest Heritage Bank (FDIC Cert #29087) carries a PlainBankData health grade of B at 69/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,100 of 4,307. Tier 1 capital prints at 14.17%, clearing the 10% well-capitalized line. The Texas Ratio is 8.87%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.98%. Balance-sheet scale is $894M, 1,149th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Southern Hills Community Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Southwest Heritage Bank

16 FAILURE resolutions in Arizona since 2000, heavy vs the state corpus

Southwest Heritage Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about Southwest Heritage Bank's current Call Report.

  • SUNRISE BANK OF ARIZONA PHOENIX, AZ 2013 → FIRST FIDELITY BANK, NATIONAL ASSOCIATION
  • CENTRAL ARIZONA BANK SCOTTSDALE, AZ 2013 → WESTERN STATE BANK
  • GOLD CANYON BANK GOLD CANYON, AZ 2013 → FIRST SCOTTSDALE, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arizona banks.

How Southwest Heritage Bank's 69/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10069/100
Southwest Heritage Bank's composite health score
Tier 1 Capital Ratio (14.17%) 35/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (8.87%) 16/20
Efficiency Ratio (72.45%) 4/15

69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$894M

Total balance-sheet footings

Total Deposits

$763M

Customer-funded liabilities

Net Loans

$703M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.77% 14.17% 15.57%
Basel III capital ratios - Southwest Heritage Bank

Where Southwest Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Southwest Heritage Bank's score of 69/100 falls in the highlighted band.

Southwest Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

69 28th percentile higher than 28% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Southwest Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Southwest Heritage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Southwest Heritage Bank's $894M falls in the highlighted band.

Capital & credit buffers at Southwest Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

14.17% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.17%
Texas Ratio
8.87%
Equity Capital
$118M

What these ratios mean →

Profitability metrics: Southwest Heritage Bank

Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
8.01%
Efficiency Ratio
72.45%

What these mean →

Income & expense at Southwest Heritage Bank

$53M
Interest Income
$984K
Non-Interest Income
$26M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Southwest Heritage Bank reports a Texas Ratio of 8.87% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Southwest Heritage Bank on FDIC BankFind →

Top banks in Arizona by total assets

Largest banks headquartered in Arizona
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  3. 3
    BNC National Bank $1.1B

    Glendale, AZ · Grade B

  4. 4
    Southwest Heritage Bank $894M

    Scottsdale, AZ · Grade B

  5. 5
    1st Bank Yuma $553M

    Yuma, AZ · Grade F

Top 5 banks in Arizona ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($894M here), outside Arizona so the neighborhood is not state containment.

First Northern Bank of Wyoming $894M · WY Hawaii National Bank $893M · HI Bank Cmg $895M · WI Midwest Bank $893M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Southwest Heritage Bank (FDIC Cert #29087) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Southwest Heritage Bank Call Report profile · FDIC Failed Bank List · Arizona FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arizona

All Arizona banks →
BankAssetsGradeROA
USAA Federal Savings BankPhoenix $108.0B B 0.40%
Western Alliance BankPhoenix $92.7B B 1.10%
BNC National BankGlendale $1.1B B 1.00%
1st Bank YumaYuma $553M F 1.81%
Goldwater Bank, N.A.Phoenix $515M C 0.85%
Gateway Commercial BankMesa $228M A 1.16%
Mission BankKingman $186M B 0.37%
Integro BankPhoenix $178M B 1.90%