Southwest Heritage Bank
Total assets
$892.8M
▼ -3.7% YoY
Deposits
$753.6M
▼ -5.6% YoY
Loans
$698.4M
▲ +4.9% YoY
Offices
9
BANCORP 34 INC
ROA (annualized)
0.90%
peers 1.28%
ROE (annualized)
6.74%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +4.9% | -8.6 pts |
| Deposit growth (YoY) | -5.6% | +4.3% | -9.9 pts |
| Loan growth (YoY) | +4.9% | +5.3% | -0.5 pts |
| ROA | 0.90% | 1.28% | -0.4 pts |
| ROE | 6.7% | 12.4% | -5.7 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- BANCORP 34 INC
- Specialization
- Commercial Lending Specialization
- Address
- 8777 E Hartford Dr, Scottsdale, AZ, 85255
- County
- Maricopa
- Metro area
- Phoenix-Mesa-Chandler, AZ
- Offices
- 9
- FDIC cert #
- 29087
- RSSD ID
- 955977
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $892.8M | $753.6M | $698.4M | $122.3M | $4.1M | 0.90% | 4.04% | 0.53% |
| Q1 2026 | $915.2M | $782.9M | $696.8M | $120.0M | $1.9M | 0.85% | 4.01% | 1.41% |
| Q4 2025 | $893.9M | $762.8M | $702.8M | $118.4M | $9.0M | 0.98% | 3.83% | 1.27% |
| Q3 2025 | $895.6M | $762.9M | $680.8M | $116.1M | $7.1M | 1.03% | 3.82% | 1.33% |
| Q2 2025 | $927.5M | $798.3M | $665.9M | $111.4M | $5.2M | 1.11% | 3.84% | 0.47% |
| Q1 2025 | $940.0M | $818.2M | $666.4M | $109.0M | $2.6M | 1.14% | 3.82% | 0.61% |
| Q4 2024 | $914.4M | $797.1M | $665.9M | $105.2M | $-480K | -0.06% | 3.76% | 0.51% |
| Q3 2024 | $935.4M | $789.2M | $692.6M | $105.5M | $-906K | -0.14% | 3.66% | 0.35% |
Loan mix (Q2 2026): real estate $623.3M · commercial $83.7M · consumer $70K · securities $95.8M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Southwest Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.28% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 12.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 61.2% | 68th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Southwest Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Southwest Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Southwest Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Southwest Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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