Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Goldwater Bank, N.A.
Metric by metric
| Measure | Southwest Heritage Bank | Goldwater Bank, N.A. |
|---|---|---|
| TellerScore | 73 (stronger) | 35 |
| Capital cushion | 84 (stronger) | 61 |
| Loan quality | 78 (stronger) | 0 |
| Earnings | 56 (stronger) | 45 |
| Funding & liquidity | 50 (stronger) | 22 |
| Problem-loan coverage | 93 (stronger) | 42 |
| Peer percentile | 53rd | 1st |
| Total assets | $892.8M | $551.9M |
| Deposits / shares | $753.6M | $408.3M |
| Capital ratio | 13.36% (stronger) | 11.13% |
| Problem loans | 0.67% (stronger) | 4.14% |
| Net charge-offs | 0.29% | 0.05% (stronger) |
| Return on assets | 0.90% (stronger) | 0.63% |
| Loans ÷ deposits | 92.7% (stronger) | 110.7% |
| Uninsured deposits | 30.8% (stronger) | 40.5% |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.4% |
Southwest Heritage Bank has the higher TellerScore (73 vs 35). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 6 and Goldwater Bank, N.A. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.