Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Beal Bank USA
Metric by metric
| Measure | Southwest Heritage Bank | Beal Bank USA |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 78 (stronger) | 74 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 50 (stronger) | 15 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 53rd | 96th |
| Total assets | $892.8M | $11.0B |
| Deposits / shares | $753.6M | $1.7B |
| Capital ratio | 13.36% | 21.89% (stronger) |
| Problem loans | 0.67% (stronger) | 0.78% |
| Net charge-offs | 0.29% | -4.75% (stronger) |
| Return on assets | 0.90% | 8.19% (stronger) |
| Loans ÷ deposits | 92.7% (stronger) | 235.7% |
| Uninsured deposits | 30.8% (stronger) | 46.6% |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beal Bank USA has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 3 and Beal Bank USA on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.