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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Scottsdale, AZ · FDIC certificate #29087
SOUTHWEST HERITAGE BANK is an FDIC-insured institution based in Scottsdale, AZ (FDIC certificate #29087). In its Q3 2026 Call Report it reported total assets of $879M, total deposits of $757M and net loans of $677M. Its primary federal regulator is OCC.
Plain-language readout
SOUTHWEST HERITAGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $915M in Q1 2026 and were lowest at $879M in Q3 2026.
Total deposits were highest at $783M in Q1 2026 and lowest at $754M in Q2 2026.
Over the whole period total assets fell 4.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $879M | $757M | $677M | 1.01% | 7.86% | 4.19% |
| Q2 2026 | $893M | $754M | $698M | 0.90% | 6.74% | 4.04% |
| Q1 2026 | $915M | $783M | $697M | 0.85% | 6.46% | 4.01% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $41.9M | $64.9M | -$23.0M | -35.4% |
| Federal funds sold | $5.5M | $1.0M | +$4.5M | +432.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $95.8M | $102.3M | -$6.5M | -6.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $698.4M | $696.8M | +$1.6M | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.8M | $11.0M | -$2.2M | -20.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $5.4M | $5.7M | -$322K | -5.7% |
| All other assets | $37.0M | $33.5M | +$3.5M | +10.5% |
| Total assets | $892.8M | $915.2M | -$22.4M | -2.4% |
| Liabilities | ||||
| Total deposits | $753.6M | $782.9M | -$29.3M | -3.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $17.0M | $12.3M | +$4.6M | +37.5% |
| Total liabilities | $770.5M | $795.2M | -$24.7M | -3.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $85.1M | $84.9M | +$208K | +0.2% |
| Retained earnings | $41.1M | $39.0M | +$2.1M | +5.5% |
| Accumulated other comprehensive income | -$3.9M | -$3.8M | -$43K | -1.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $122.3M | $120.0M | +$2.3M | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.7M | $12.9M | -$8.2M | -63.4% |
| Adjusted nonperforming assets | $2.8M | $10.9M | -$8.1M | -74.5% |
| Tangible equity plus allowance | $125.6M | $123.5M | +$2.1M | +1.7% |
| Texas ratio (gross) | 3.76% | 10.46% | -6.70 pts | See points |
| Texas ratio (adjusted) | 2.20% | 8.79% | -6.58 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.20% | 8.79% | -6.58 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.11% | 14.71% | +0.39 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.11% | 14.71% | +0.39 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.15% | 1.22% | -0.07 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.26% | 15.93% | +0.32 pts | See points |
| Tier 1 leverage (approximate) | 13.36% | 13.16% | +0.21 pts | See points |
| Construction and land loans to total capital | 50.86% | 52.36% | -1.50 pts | See points |
| Commercial real estate to total capital | 311.35% | 319.23% | -7.88 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.48% | -4.51% | +0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $697.1M | $725.8M | -$28.7M | -4.0% |
| Non-core funding | $56.4M | $57.1M | -$628K | -1.1% |
| Loans to core deposits | 101.44% | 97.28% | +4.16 pts | See points |
| Loans to deposits | 93.84% | 90.19% | +3.65 pts | See points |
| Brokered deposits share of deposits | 0.34% | 0.32% | +0.01 pts | See points |
| Pledged securities share of securities | 66.12% | 66.06% | +0.06 pts | See points |
| Loans pledged, share of loans | 67.72% | 69.92% | -2.20 pts | See points |
| Volatile liabilities | $56.4M | $57.1M | -$628K | -1.1% |
| Earnings | ||||
| Earnings before provision, year to date | $5.1M | $2.4M | +$2.7M | +111.0% |
| Earnings before provision, single quarter | $2.7M | $2.4M | +$266K | +11.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.55% | 6.45% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 3.50% | 3.33% | +0.18 pts | See points |
| Total interest income to average assets | 5.75% | 5.78% | -0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 2.15% | 2.02% | +0.13 pts | See points |
| Cost of savings and money market deposits | 3.27% | 3.22% | +0.05 pts | See points |
| Cost of time deposits | 3.45% | 3.55% | -0.10 pts | See points |
| Total interest expense to average assets | 2.00% | 1.99% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $879M | $757M | $677M | 1.01% | 7.86% | 4.19% |
| 2026-06-30 | $893M | $754M | $698M | 0.90% | 6.74% | 4.04% |
| 2026-03-31 | $915M | $783M | $697M | 0.85% | 6.46% | 4.01% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AZ | $597.3M | 0.27% | 24 | Continuing · -0.02 pp |
| NM | $201.1M | 0.45% | 39 | Continuing · +0.11 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.