Side-by-side · Q2 2026 data
Southwest Heritage Bank vs Zenith Bank & Trust
Metric by metric
| Measure | Southwest Heritage Bank | Zenith Bank & Trust |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 56 (stronger) | 23 |
| Funding & liquidity | 50 (stronger) | 41 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 53rd | 64th |
| Total assets | $892.8M | $133.0M |
| Deposits / shares | $753.6M | $109.8M |
| Capital ratio | 13.36% | 17.91% (stronger) |
| Problem loans | 0.67% | 0.00% (stronger) |
| Net charge-offs | 0.29% | 0.00% (stronger) |
| Return on assets | 0.90% (stronger) | 0.08% |
| Loans ÷ deposits | 92.7% | 69.6% (stronger) |
| Uninsured deposits | 30.8% (stronger) | 60.5% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zenith Bank & Trust has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Southwest Heritage Bank leads on 2 and Zenith Bank & Trust on 5. 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.