Headquartered in Scottsdale, Arizona, Southwest Heritage Bank is a savings association with $892.8M in total assets and $753.6M in deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1934.
Based on its Q2 2026 filing, Southwest Heritage Bank scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Arizona, it ranks 2nd. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is funding & liquidity (50/100; 93% loans-to-deposits, 31% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 68 |
| Q2 2025 | 72 |
| Q3 2025 | 61 |
| Q4 2025 | 63 |
| Q1 2026 | 61 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.58% |
| Q3 2024 | 10.98% |
| Q4 2024 | 11.06% |
| Q1 2025 | 11.10% |
| Q2 2025 | 11.86% |
| Q3 2025 | 12.26% |
| Q4 2025 | 12.90% |
| Q1 2026 | 13.16% |
| Q2 2026 | 13.36% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.70% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.64% |
| Q3 2025 | 1.73% |
| Q4 2025 | 1.60% |
| Q1 2026 | 1.83% |
| Q2 2026 | 0.67% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.70% |
| Q3 2024 | -0.14% |
| Q4 2024 | -0.06% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.98% |
| Q1 2026 | 0.85% |
| Q2 2026 | 0.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $892.8M | 13.36% | 0.67% | 0.90% | 92.7% |
| Q1 2026 | 61 | $915.2M | 13.16% | 1.83% | 0.85% | 89.0% |
| Q4 2025 | 63 | $893.9M | 12.90% | 1.60% | 0.98% | 92.1% |
| Q3 2025 | 61 | $895.6M | 12.26% | 1.73% | 1.03% | 89.2% |
| Q2 2025 | 72 | $927.5M | 11.86% | 0.64% | 1.11% | 83.4% |
| Q1 2025 | 68 | $940.0M | 11.10% | 0.84% | 1.14% | 81.5% |
| Q4 2024 | 60 | $914.4M | 11.06% | 0.70% | -0.06% | 83.5% |
| Q3 2024 | 60 | $935.4M | 10.98% | 0.47% | -0.14% | 87.8% |
| Q2 2024 | 54 | $917.8M | 10.58% | 0.61% | -0.70% | 93.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arizona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Goldwater Bank, N.A.Bank Phoenix, AZ | 35 out of 100, Low | $551.9M | 11.1% | 4.14% | vs |
| Gateway Commercial BankBank Mesa, AZ | 68 out of 100, Moderate | $231.4M | 12.0% | 1.24% | vs |
| Integro BankBank Phoenix, AZ | 25 out of 100, Low | $195.6M | 9.9% | 3.71% | vs |
| Mission BankBank Kingman, AZ | 70 out of 100, Strong | $185.1M | 9.4% | 0.00% | vs |
| Zenith Bank & TrustBank Scottsdale, AZ | 76 out of 100, Strong | $133.0M | 17.9% | 0.00% | vs |
| Scottsdale Community BankBank Scottsdale, AZ | 38 out of 100, Low | $125.2M | 11.4% | 2.68% | vs |
Deposit insurance
Is my money safe at Southwest Heritage Bank?
Yes. Southwest Heritage Bank is an FDIC-insured institution (FDIC certificate #29087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($232.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.26% (benchmark: 10%).
9 locations
Branches
Southwest Heritage Bank lists 7 offices in 6 cities across 2 states. Most locations:
- Tucson, AZ (2)
- Alamogordo, NM (1)
- Gilbert, AZ (1)
- Green Valley, AZ (1)
- Las Cruces, NM (1)
- Scottsdale, AZ (1)
Identity & history
Profile
- Legal name
- Southwest Heritage Bank
- Former names
- Alamogordo Federal Savings and Loan Association; Bank 34; Bank'34
- Type
- Savings association
- FDIC certificate #
- 29087
- RSSD ID
- 955977
- Primary regulator
- OCC
- Holding company
- Bancorp 34 Inc
- Established
- August 1, 1934
- Headquarters
- 8777 E Hartford Dr, Scottsdale, AZ 85255
- Website
- www.swhbank.com
- Employees
- 107
Quick answers
Southwest Heritage Bank: common questions
Is Southwest Heritage Bank FDIC insured?
Yes. Southwest Heritage Bank is an FDIC-insured institution (FDIC certificate #29087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Southwest Heritage Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Southwest Heritage Bank ever failed?
There is no failure record for FDIC certificate #29087 in the FDIC failed bank list.
How many branches does Southwest Heritage Bank have?
9 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Scottsdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mayo Employees Federal Credit UnionCredit union Rochester, MN | 98 out of 100, Very strong | $1.5B | 14.9% | 0.05% | vs |
| Em Federal Credit UnionCredit union Mesa, AZ | 86 out of 100, Very strong | $11.7M | 15.7% | 0.24% | vs |
| Desert Financial Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $9.9B | 12.1% | 0.47% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |
| Banner Federal Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $65.2M | 13.5% | 0.70% | vs |
| Aero Federal Credit UnionCredit union Glendale, AZ | 79 out of 100, Strong | $364.4M | 12.0% | 0.11% | vs |