Southwest Heritage Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Southwest Heritage Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $7.3M peer median). Its weakest relative measure is return on assets (0.90% vs. 1.27%).
| Measure | Southwest Heritage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.90% | 1.27% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.04% | 3.86% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.51% | 61.25% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $7.3M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.69% | 83.45% | Context |
What it means for lending operations
Its efficiency ratio of 67.51% is above the 61.25% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- United Bank & Trust Marysville, KS · $893M
- First Southern State Bank Stevenson, AL · $893M
- Seattle Bank Seattle, WA · $891M
- The First State Bank Louise, TX · $895M
- Windsor Federal Bank Windsor, CT · $895M
- Farmers National Bank Prophetstown, IL · $896M
Questions about Southwest Heritage Bank
How big is Southwest Heritage Bank?
Southwest Heritage Bank, established in 1934, is headquartered in Scottsdale, AZ. It reported $893M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Southwest Heritage Bank's return on assets?
0.90% annualized in Q2 2026, against a 1.27% median for 999 U.S. banks with half to twice its assets, ahead of 26% of them.
What is Southwest Heritage Bank's efficiency ratio?
67.51% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 61.25%, and lower is better.
Is Southwest Heritage Bank growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits shrank 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arizona bank ranked.