Compared with Arizona
5 of 23
compared fees are above the median.
10 below, 8 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
5th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Arizona median
of 23 compared; 10 below, 8 about the same
See the feesFee schedule read Oct 8, 2026
Call-report figures are for Southwest Heritage Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Arizona median | Published fees above the Arizona median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Southwest Heritage Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.4% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (5th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $36K in Q2 2026, 20% above the same quarter a year earlier ($30K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
5 of 23 compared published fees sit above the Arizona median; 10 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Arizona medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Arizona, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.9% from Q3 2025 to Q2 2026, to $36K. Its share of revenue, 0.4%, is below the 2.1% median for banks with $300M to $1B in assets.
$36K
Southwest Heritage BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Southwest Heritage Bank · $893M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Southwest Heritage Bank(this institution) | Scottsdale, AZ | $893M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bogota Savings Bank | Teaneck, NJ | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| DR Bank | Darien, CT | $913M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Falcon National Bank | Foley, MN | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Upperco, MD | $874M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers National Bank | Prophetstown, IL | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| FinWise Bank | Murray, UT | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Ketchikan, AK | $890M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Liberty Bank | Oklahoma City, OK | $885M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Southern State Bank | Stevenson, AL | $893M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fortress Bank | Peoria, IL | $897M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greenfield Co-operative Bank | Greenfield, MA | $902M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii National Bank | Honolulu, HI | $872M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Lindell Bank & Trust Company | St. Louis, MO | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mechanics Bank | Mansfield, OH | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mechanics Cooperative Bank | Taunton, MA | $899M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mountain Pacific Bank | Everett, WA | $896M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newfield National Bank | Newfield, NJ | $889M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Bank | Mapleton, MN | $884M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| SpiritBank | Tulsa, OK | $913M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Terrabank, National Association | Miami, FL | $898M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Savings Bank | Wakefield, MA | $891M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Thrivent Bank | Salt Lake City, UT | $906M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Titan Bank, N.A. | Mineral Wells, TX | $896M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Unified Bank | Martins Ferry, OH | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Windsor Federal Bank | Windsor, CT | $895M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.75 among 18 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Southwest Heritage Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Southwest Heritage Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $36K | +$7K | +24.1% |
| Q1 2026 | $29K | +$1K | +3.6% |
| Q4 2025 | $28K | −$7K | −20.0% |
| Q3 2025 | $35K | +$5K | +16.7% |
| Q2 2025 | $30K | −$8K | −21.1% |
| Q1 2025 | $38K | −$12K | −24.0% |
| Q4 2024 | $50K | −$1K | −2.0% |
| Q3 2024 | $51K | −$11K | −17.7% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Southwest Heritage Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Southwest Heritage Bank by share.
Amounts from Southwest Heritage Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Research - per hour/1 hour minimum | $25.00
per item
per item
per day
per item · Secondary account
per item
per item
per item
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
per month
per item
per transaction
per month
per year
per year
per year
per year
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early account closure - within 90 days (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee (after 12 months of inactivity) - per month (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research - per hour/1 hour minimum | $25Not compared: Charged per hour; comparison unavailable | per hour | Research - per hour/1 hour minimum | $25.00 |
Overdraft & NSF | |||
| Overdraft Fee - per item | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid item resulting in an overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned item created by check or other electronic means - per item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily recurring overdraft fee (after 3 consecutive business days of being overdrawn) - per business day | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| ODP transfer fee (secondary account) - per transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | Secondary account |
| Overdraft Protection fee (secondary account) - per transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Visa Debit Card replacement - per replacement (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Visa Debit Card replacement expedited - 2 day (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing domestic wires - per wire (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming wires - per wire | $3Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing foreign wires - per wire (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official check - per check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| E-Banking stop payment (checks only) - per transaction | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Stop payment (checks and ACH) - per item (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check cashing (non-customer) - per item (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection items - domestic/foreign - per item | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of on-us check - per item (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| E-Banking Bill Pay expedited payment - per item (audience not stated, treated as personal) | $5Not compared: Per-item charge, not monthly | per item | None |
| E-Banking Bill Pay expedited payment overnight check - per item (audience not stated, treated as personal) | $30Not compared: Per-item charge, not monthly | per item | None |
| E-Banking Bill Pay Feature - monthly (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| E-Banking Bill Pay transaction - per item | No chargeNot compared: Per-item charge, not monthly | per item | None |
| E-Banking Zelle Person to Person (P2P) request money transactions - per transaction (audience not stated, treated as personal) | No chargeNot compared: Per-transaction charge, not monthly | per transaction | None |
| E-Banking Mobile Deposit feature - monthly (audience not stated, treated as personal) | No chargeNot compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Chargeback Fee | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Returned deposited item handling - per item | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service - Customers Only (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10X10 - annually (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 - annually (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 - annually (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 - annually (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X5 - annually (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7X10 - annually | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Drilling - as needed (audience not stated, treated as personal) | $110Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box late payment - per month (audience not stated, treated as personal) | $5Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box rekey or key replacement - as needed (audience not stated, treated as personal) | $50Not compared: Box drilling or key fee | Not stated | None |
| Legal Processing Fee | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA closing and transfer - per account (audience not stated, treated as personal) | $45Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Photocopies - per page (audience not stated, treated as personal) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement reprint - per statement (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 8, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Southwest Heritage Bank operates, and what regulators and customers have on file.
Branch footprint
8 offices in 2 states, $753.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $309.4M | |
| 3 | $251.4M | |
| 1 | $96.4M | |
| Outside a metro area | 1 | $96.3M |
Phoenix-Mesa-Chandler, AZ
0.2% of bank deposits, #27 of 55, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| Western Alliance Bank | 26.8% |
| JPMorgan Chase Bank, National Association | 20.4% |
| Bank of America, National Association | 16.1% |
| Wells Fargo Bank, National Association | 15.2% |
| PNC Bank, National Association | 2.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Phoenix-Mesa-Chandler, AZ, Southwest Heritage Bank holds 0.2% of bank deposits, #27 of 55, with 3 offices.
854 offices of 91 institutions shown.
Showing 854 of 905 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 55 institutions shown. $192.0B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2015 to 2026
June 2026: 0.2% share, 3 offices, #27 of 55
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2015 to 2026.
Credit unions, reported separately
266 offices of 45 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
Bancorp 34, Inc. (OTC: BCTF)
Consolidated assets
$918.1M
Shareholders' equity
$86.5M
As of
2024Q4
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1668340. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.