Goldwater Bank, N.A. vs Southwest Heritage Bank
Comparing a Bank in Phoenix, AZ with a Bank in Scottsdale, AZ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Goldwater Bank, N.A. ↗ Bank · Phoenix, AZ · Est. 2007 | Southwest Heritage Bank ↗ Bank · Scottsdale, AZ · Est. 1934 | |
|---|---|---|
| Trust Grade | A · 92/100 | A · 97/100 |
| Institution type | Bank | Bank |
| Location | Phoenix, AZ | Scottsdale, AZ |
| Total assets | $525.1M | $915.2M |
| Capital ratio | 11.1% | 13.1% |
| Return on assets | 0.3% | 0.9% |
| Deposits | $384.8M | $782.9M |
| Branches | 2 | 9 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 12 | #3 of 12 |
| Established | 2007 | 1934 |
Goldwater Bank, N.A.
- Assets: $525.1M
- Deposits: $384.8M
- Capital ratio: 11.1%
- Return on assets: 0.3%
- CFPB complaints: 0
- State rank: #4 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. Goldwater Bank, N.A. 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, Goldwater Bank, N.A. or Southwest Heritage Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Southwest Heritage Bank scores higher with a grade of A (97/100). 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 Goldwater Bank, N.A. safe?
Yes — Goldwater Bank, N.A. 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 (92/100), 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 Goldwater Bank, N.A. vs Southwest Heritage Bank?
Goldwater Bank, N.A. has a capital ratio of 11.1%, placing it in the top 36% of $100M–1B 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 Goldwater Bank, N.A. have compared to Southwest Heritage Bank?
The CFPB database shows 0 complaints against Goldwater Bank, N.A., 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 Goldwater Bank, N.A. 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.
