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American Heritage Bank

Sapulpa, OK · Cert 4190 · American Bcorp Inc.

State charter, Fed member · FED · 24 branches

Q2 2026

$1.5BAssets
$503.4MLoans
$1.2BDeposits
$136.6MEquity
Loan mix
85%RE $401.7M10%C&I $48.8M4%Consumer $20.7MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $849.8M27%Noninterest $309.9MQ3 2024Q2 2026

Market Position · Tulsa, OK · 2026 SOD (annual) · 2.8% share · #12 of 59 inst. · $1.1B of $39.3B

42.7% Creek
0.8% Tulsa
25.4% Osage
36.4% Pawnee

Executive Summary

  • Earnings: ROA of 0.76%, up 4 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.21% of loans (+5 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 9.57%, up 14 bps from a year ago.
  • Funding: loans stand at 43.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.76%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+10 bps YoY

Efficiency Ratio (YTD, annualized)

67.99%-103 bps YoY

Tier 1 Leverage Ratio

9.57%+14 bps YoY

NIM

3.79%Q2 ’244.02%Q2 ’254.01%Q2 ’26+12%+4%

Non-interest income vs. expense

1.94%Q2 ’242.11%Q2 ’252.17%Q2 ’26+14%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.64%0.63%0.65%0.72%0.76%0.78%0.75%0.76%+4 bps
Return on Equity7.73%7.63%7.82%8.69%8.92%8.99%8.29%8.41%-28 bps
Net Interest Margin2.28%2.30%2.37%2.49%2.59%2.65%2.56%2.59%+10 bps
Efficiency Ratio69.33%70.06%70.86%69.01%68.31%68.03%68.40%67.99%-103 bps
Non-Interest Burden1.38%1.42%1.51%1.53%1.57%1.60%1.56%1.56%+3 bps
Growth
Asset Growth (YoY)0.70%1.13%1.09%-1.22%-2.32%-3.56%-2.31%-0.23%+99 bps
Loan Growth (YoY)0.58%1.35%2.26%4.90%2.90%1.21%0.06%-1.66%-656 bps
Deposit Growth (YoY)-2.54%-1.04%-0.73%-1.63%-3.32%-3.89%-3.07%-2.13%-50 bps
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.10%0.16%0.13%0.12%0.09%0.21%+5 bps
Net Charge-Offs / Loans0.07%0.07%0.14%0.07%0.06%0.04%0.13%0.11%+4 bps
Allowance / Loans1.45%1.45%1.42%1.42%1.43%1.47%1.47%1.48%+6 bps
Allowance Coverage of NPLs32.3x23.3x14.7x9.0x10.6x12.0x15.8x7.1x-1.9x
Capital
Tier 1 Leverage Ratio9.39%9.44%9.32%9.43%9.82%9.71%9.56%9.57%+14 bps
Total Risk-Based Capital24.85%24.86%25.11%24.89%25.16%24.49%24.77%24.73%-15 bps
Equity / Assets8.71%8.40%8.26%8.31%9.25%9.08%8.95%9.20%+89 bps
Liquidity & Funding
Loans / Deposits41.60%41.26%41.73%43.20%44.28%43.45%43.08%43.41%+21 bps
Liquid Assets / Assets40.28%37.89%35.57%33.15%28.12%27.96%30.61%28.45%-469 bps
CRE / Total Capitaln/an/an/an/a135.64%143.17%141.65%n/an/a