Total Assets
$894M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$763M
Customer-funded liabilities
Net Loans
$703M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
8.01%
Efficiency Ratio
72.45%
What the numbers say about Southwest Heritage Bank
Southwest Heritage Bank is an FDIC-insured institution (Certificate #29087) headquartered in Scottsdale, Arizona, established in 1934. It holds $894M in total assets - 1,149th of 4,313 FDIC-insured banks, $763M in customer deposits, and $703M in net loans. Its capital position: a Tier 1 ratio of 14.17%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.87% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (69 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Southwest Heritage Bank sits 4th of 13 banks headquartered in Arizona by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Arizona by total assets
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.
Other banks in Arizona
All Arizona banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Southwest Heritage Bank's health grade?▼
Southwest Heritage Bank receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Southwest Heritage Bank?▼
Southwest Heritage Bank holds $894M in total assets and $763M in deposits, ranking 1,149th of 4,313 FDIC-insured banks by asset size. It is headquartered in Scottsdale, Arizona.
Is my money safe at Southwest Heritage Bank?▼
Yes, deposits at Southwest Heritage Bank (Certificate #29087) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Southwest Heritage Bank's Tier 1 Capital Ratio?▼
Southwest Heritage Bank has a Tier 1 Capital Ratio of 14.17%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Southwest Heritage Bank?▼
Southwest Heritage Bank has a Texas Ratio of 8.87%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Southwest Heritage Bank?▼
Southwest Heritage Bank has an Efficiency Ratio of 72.45%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Southwest Heritage Bank's profile as a depositor or analyst.
- Southwest Heritage Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Southwest Heritage Bank against other Arizona banks before moving funds. Arizona banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.