Southwest Heritage Bank vs Zenith Bank & Trust
Comparing a Bank in Scottsdale, AZ with a Bank in Scottsdale, AZ using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Southwest Heritage Bank ↗ Bank · Scottsdale, AZ · Est. 1934 | Zenith Bank & Trust ↗ Bank · Scottsdale, AZ · Est. 2023 | |
|---|---|---|
| Trust Grade | A · 97/100 | A · 90/100 |
| Institution type | Bank | Bank |
| Location | Scottsdale, AZ | Scottsdale, AZ |
| Total assets | $915.2M | $122.6M |
| Capital ratio | 13.1% | 17.6% |
| Return on assets | 0.9% | 0.1% |
| Deposits | $782.9M | $99.3M |
| Branches | 9 | 1 |
| CFPB complaints | 0 | 2 |
| Complaints / $1B assets | — | 16.3 |
| State rank | #3 of 12 | #6 of 12 |
| Established | 1934 | 2023 |
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
Zenith Bank & Trust
- Assets: $122.6M
- Deposits: $99.3M
- Capital ratio: 17.6%
- Return on assets: 0.1%
- CFPB complaints: 2
- State rank: #6 of 12
Are both institutions federally insured?
Yes. Southwest Heritage Bank is FDIC-insured and Zenith Bank & Trust 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, Southwest Heritage Bank or Zenith Bank & Trust?
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 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 regardless of the institution's Trust Grade. Its Trust Grade is A (97/100), reflecting its financial strength and complaint history relative to peers.
Is Zenith Bank & Trust safe?
Yes — Zenith Bank & Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (90/100).
What is the capital ratio of Southwest Heritage Bank vs Zenith Bank & Trust?
Southwest Heritage Bank has a capital ratio of 13.1%, placing it in the top 19% of $100M–1B peers. Zenith Bank & Trust's ratio is 17.6%, placing it in the top 5% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Southwest Heritage Bank have compared to Zenith Bank & Trust?
The CFPB database shows 0 complaints against Southwest Heritage Bank, and 2 complaints against Zenith Bank & Trust (16.3 per $1B in assets). 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 Southwest Heritage 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.
