Bnc National Bank vs Southwest Heritage Bank
Comparing a Bank in Glendale, AZ with a Bank in Scottsdale, AZ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Bnc National Bank ↗ Bank · Glendale, AZ · Est. 2001 | Southwest Heritage Bank ↗ Bank · Scottsdale, AZ · Est. 1934 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 97/100 |
| Institution type | Bank | Bank |
| Location | Glendale, AZ | Scottsdale, AZ |
| Total assets | $1.1B | $915.2M |
| Capital ratio | 11.1% | 13.1% |
| Return on assets | 1.0% | 0.9% |
| Deposits | $938.2M | $782.9M |
| Branches | 13 | 9 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 12 | #3 of 12 |
| Established | 2001 | 1934 |
Bnc National Bank
- Assets: $1.1B
- Deposits: $938.2M
- Capital ratio: 11.1%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #1 of 12
Southwest Heritage Bank
- Assets: $915.2M
- Deposits: $782.9M
- Capital ratio: 13.1%
- Return on assets: 0.9%
- CFPB complaints: 0
- State rank: #3 of 12
Are both institutions federally insured?
Yes. Bnc National Bank is FDIC-insured and Southwest Heritage Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Bnc National Bank or Southwest Heritage Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Bnc National Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Bnc National Bank safe?
Yes — Bnc National Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Southwest Heritage Bank safe?
Yes — Southwest Heritage Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (97/100).
What is the capital ratio of Bnc National Bank vs Southwest Heritage Bank?
Bnc National Bank has a capital ratio of 11.1%, placing it in the top 36% of $1B–10B peers. Southwest Heritage Bank's ratio is 13.1%, placing it in the top 19% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Bnc National Bank have compared to Southwest Heritage Bank?
The CFPB database shows 0 complaints against Bnc National Bank, and 0 complaints against Southwest Heritage Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Bnc National Bank with other Banks in Arizona
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
