American Heritage Bank
Sapulpa, OK · Cert 4190 · Peer group: banks $1B-$10B in assets (n=322-328) · American Bcorp Inc.
State charter, Fed member · FED · 24 branches
Q2 2026
$1.5BAssets
$503.4MLoans
$1.2BDeposits
$136.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of banks $1B-$10B in assets (rank 19 of 328).
- Widest gap: net interest margin trails 91% of banks $1B-$10B in assets (rank 300 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.76%
Rank 267 of 328
Net Interest Margin
2.59%
Rank 300 of 328
Efficiency Ratio
68.34%
Rank 258 of 328
Equity / Assets
9.20%
Rank 243 of 328
Non-interest income vs. expense
Unfavorable gap of $23.5M · efficiency ratio beats 22% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.91% | 1.22% | 1.52% | Beats 19% | 267 / 328 | | |
| Return on Equity | 8.24% | 8.43% | 11.45% | 14.43% | Beats 23% | 251 / 328 | | |
| Net Interest Margin | 2.59% | 3.03% | 3.45% | 3.83% | Beats 9% | 300 / 328 | | |
| Efficiency Ratio | 68.34% | 51.61% | 59.56% | 67.53% | Beats 22% | 258 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.24% | 0.51% | 1.03% | Beats 77% | 75 / 322 | | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.03% | 0.10% | Beats 28% | 234 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 23.48% | 11.75% | 13.15% | 15.47% | Beats 94% | 19 / 328 | | |
| Total Risk-Based Capital Ratio | 24.73% | 12.63% | 14.15% | 16.46% | Beats 94% | 19 / 328 | | |
| Equity / Assets | 9.20% | 9.15% | 10.33% | 12.01% | Beats 26% | 243 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 43.41% | 76.63% | 87.92% | 95.36% | 3rd pctl | 314 / 323 | | |
| Loans / Assets | 33.92% | 65.18% | 74.15% | 79.98% | 4th pctl | 315 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |