Southwest Heritage Bank (FDIC #29087): Bank Stress & Real-Estate Credit Exposure
Southwest Heritage Bank (FDIC Cert #29087): bank stress 59/100, moderate, STABLE over 7 days; parent BANCORP 34 INC.
Southwest Heritage Bank (#29087) lends in 4 counties across 2 states; Southwest Heritage Bank (#29087) reaches 238 ZIP codes: Arizona 2 counties, 195 ZIPs; New Mexico 2 counties, 43 ZIPs.
Southwest Heritage Bank (#29087) largest markets: Maricopa County, AZ (420 branches, 140 ZIPs) (#29087), Pima County, AZ (168 branches, 56 ZIPs) (#29087), DoñA Ana County, NM (26 branches, 26 ZIPs) (#29087), Otero County, NM (18 branches, 18 ZIPs) (#29087).
Southwest Heritage Bank (#29087) reports $892.8 million in total assets; Southwest Heritage Bank (#29087) equity $122.3 million (13.7% of Southwest Heritage Bank (#29087) assets); Southwest Heritage Bank (#29087) domestic deposits $753.6 million; Southwest Heritage Bank (#29087) net income $4.1 million; Southwest Heritage Bank (#29087) return on assets 0.90%; Southwest Heritage Bank (#29087) return on equity 6.74%; Southwest Heritage Bank (#29087) net interest income $17.1 million; Southwest Heritage Bank (#29087) call report June 30, 2026.
Southwest Heritage Bank (#29087) noncurrent real-estate loans: none reported; Southwest Heritage Bank (#29087) residential -0.10%; Southwest Heritage Bank (#29087) net charge-offs on real estate 0.41%; Southwest Heritage Bank (#29087) multifamily charge-offs 3.17%.
Southwest Heritage Bank (#29087) net interest margin 4.04% against an eight-quarter Southwest Heritage Bank (#29087) average of 3.85% (Southwest Heritage Bank (#29087) compression -0.19 points); Southwest Heritage Bank (#29087) rate-exposure score 40/100, Southwest Heritage Bank (#29087) fixed-rate trap 40/100; Southwest Heritage Bank (#29087) risk type credit driven; Southwest Heritage Bank (#29087) rate regime rates elevated, Southwest Heritage Bank (#29087) snapshot October 19, 2026.
Southwest Heritage Bank (#29087) stress score moved from 60.9 on June 22, 2026 to 59.5 on October 19, 2026; Southwest Heritage Bank (#29087) ranged 59.5 to 60.9 over 116 snapshots.
Southwest Heritage Bank (#29087) alerts: 4 counties; top Southwest Heritage Bank (#29087) alert scores: Alamogordo County, AZ 22 (low); Las Cruces County, AZ 22 (low); Scottsdale County, AZ 22 (low); Tucson County, AZ 22 (low).