BlastPoint's Banking Scorecard
Southwest Heritage Bank
Community
Specialty: Commercial
AZ
FDIC cert 29087
Scottsdale, AZ
1484
banks in Community tier nationally
3 in AZ
View Community leaderboard (AZ) →
Southwest Heritage Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 6% in Community
- - Liquidity Strain: Bottom 23% in Community
- - Capital Constraint: Bottom 48% in Community
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$893.9M
-2.2% YoY
-0.2% QoQ
|
-$497.6M |
$1.4B
+2.0% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$702.8M
+5.5% YoY
+3.2% QoQ
|
-$272.7M |
$975.5M
+2.4% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$762.8M
-4.3% YoY
-0.0% QoQ
|
-$401.8M |
$1.2B
+1.7% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.97%
-6.4% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.83%
+1.9% YoY
+0.3% QoQ
|
+0.17% |
3.66%
+9.1% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
72.88%
-14.9% YoY
+0.1% QoQ
|
+10.25% |
62.63%
-5.3% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
1.62%
+128.9% YoY
-7.7% QoQ
|
+0.99% |
0.63%
+18.3% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
92.13%
+10.3% YoY
+3.2% QoQ
|
+9.07% |
83.06%
+0.3% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
21.74%
-9.6% YoY
-0.1% QoQ
|
+0.69% |
21.05%
-0.9% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
1.27%
+147.2% YoY
-4.5% QoQ
|
+0.77% |
0.50%
+20.3% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
14.15%
+3.0% YoY
-0.9% QoQ
|
+3.91% |
10.24%
-0.6% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.11%
+86.4% YoY
+29.9% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Deposit Outflow
decline
#17 of 248 · Bottom 6% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#118 of 513 · Bottom 23% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.13%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Constraint
risk
#23 of 47 · Bottom 48% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
92.13%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
14.15%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Tier 1 Capital Ratio
Current: 14.15% · Tier avg: 10.24%
62
62th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.74% · Tier avg: 21.05%
50
50th pctile
Total Loans
Current: $702.8M · Tier avg: $975.5M
44
44th pctile
Total Deposits
Current: $762.8M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $893.9M · Tier avg: $1.4B
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.13% · Tier avg: 83.06%
21
21th pctile
Efficiency Ratio
Current: 72.88% · Tier avg: 62.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.63%
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
14
14th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.27% · Tier avg: 0.50%
21
21th pctile
Efficiency Ratio
Current: 72.88% · Tier avg: 62.63%
30
30th pctile
Loan-to-Deposit Ratio
Current: 92.13% · Tier avg: 83.06%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
43
43th pctile
Total Assets
Current: $893.9M · Tier avg: $1.4B
44
44th pctile
Total Deposits
Current: $762.8M · Tier avg: $1.2B
50
50th pctile
Total Loans
Current: $702.8M · Tier avg: $975.5M
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.74% · Tier avg: 21.05%
62
62th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.15% · Tier avg: 10.24%