Bank · FDIC insured
Southwest Heritage Bank
A $892.8M bank headquartered in Scottsdale, AZ, with 7 branches in 2 states. Best rates: CDs 3.41% and savings 0.05% APY.
Southwest Heritage Bank Carrot Score
65
Carrot Score
Higher than 13% of U.S. banks and credit unions
#21 of 26 in Tucson, AZ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Southwest Heritage Bank
- Headquarters
- 8777 E Hartford Dr, Scottsdale, AZ 85255
- FDIC certificate
- 29087 ↗
Branches
7 branches in 2 states
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Arizona
5 branches
Tucson area · 3
- Green Valley Branch265 W Continental Rd, Green Valley, AZ 85622Directions
- Commerce Bank Of Arizona Branch5210 E Williams Cir, Tucson, AZ 85711Directions
- Commerce Bank Of Arizona Branch7315 N Oracle Rd, Tucson, AZ 85704Directions
Phoenix area · 2
- East Valley Branch2915 E Baseline Rd, Gilbert, AZ 85234Directions
- Scottsdale Branch16430 N Scottsdale Rd, Scottsdale, AZ 85254Directions
New Mexico
2 branches
Alamogordo area · 1
- Alamogordo Branch500 10th St, Alamogordo, NM 88310Directions
Las Cruces area · 1
- Las Cruces Branch220 N Telshor Blvd, Las Cruces, NM 88011Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.36% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.67% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.90% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio13.36%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.67%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.90%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Southwest Heritage Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.