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American Heritage Bank

Clovis, NM · Cert 57025 · Ahb Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

62

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

86

Q2 2024Q2 2026peer median (50)

Liquidity

14

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

American Heritage Bank

Clovis, NM · Cert 57025 · Ahb Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$153.2MAssets
$72.8MLoans
$137.2MDeposits
$15.0MEquity
Loan mix
69%RE $35.0M30%C&I $15.5M1%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
61%Interest-bearing $83.0M39%Noninterest $54.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.85%, unchanged from a year ago; NIM at 4.25%.
  • Asset quality: problem loans at 0.22% of loans (-257 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.09%, down 81 bps from a year ago.
  • Funding: loans stand at 53.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.85%0 bps YoY

Net Interest Margin (YTD, annualized)

4.25%-35 bps YoY

Efficiency Ratio (YTD, annualized)

48.18%-51 bps YoY

Tier 1 Leverage Ratio

11.09%-81 bps YoY

NIM

5.99%Q2 ’245.58%Q2 ’255.10%Q2 ’26-10%-8%

Non-interest income vs. expense

2.52%Q2 ’242.44%Q2 ’252.24%Q2 ’26-1%-9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.05%1.83%1.83%1.85%1.85%1.84%1.82%1.85%0 bps
Return on Equity22.34%19.65%19.02%18.76%18.37%18.03%17.90%18.42%-34 bps
Net Interest Margin5.00%4.84%4.57%4.60%4.62%4.47%4.32%4.25%-35 bps
Efficiency Ratio46.81%46.60%49.31%48.69%48.43%48.69%49.50%48.18%-51 bps
Non-Interest Burden2.10%2.03%2.05%2.03%2.03%1.98%1.91%1.84%-19 bps
Growth
Asset Growth (YoY)-2.18%3.86%6.62%6.03%7.34%9.39%9.32%12.47%+644 bps
Loan Growth (YoY)11.80%9.23%7.70%-2.59%1.31%2.54%-7.39%-5.27%-268 bps
Deposit Growth (YoY)-1.55%2.69%5.56%8.62%6.59%8.10%9.41%13.08%+445 bps
Asset Quality
Nonperforming Loans / Loans0.57%0.31%0.24%2.79%0.47%0.27%0.23%0.22%-257 bps
Net Charge-Offs / Loans0.01%0.28%0.06%0.03%0.02%0.03%-0.01%0.00%-3 bps
Allowance / Loans1.52%1.40%1.39%1.55%1.61%1.60%1.70%1.78%+23 bps
Allowance Coverage of NPLs2.7x4.6x5.9x0.6x3.4x6.0x7.5x8.0x+7.5x
Capital
Tier 1 Leverage Ratio12.17%12.17%11.35%11.89%12.35%12.37%10.96%11.09%-81 bps
Total Risk-Based Capital17.85%18.14%17.27%18.40%19.42%19.82%18.75%19.80%+140 bps
Equity / Assets10.15%9.72%9.57%10.21%10.76%10.79%9.54%9.79%-42 bps
Liquidity & Funding
Loans / Deposits66.94%64.46%66.45%63.32%63.63%61.14%56.24%53.05%-1,027 bps
Liquid Assets / Assets4.83%8.57%6.10%8.60%6.02%6.90%12.88%10.39%+178 bps
CRE / Total Capitaln/an/an/an/a58.84%58.67%63.44%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

American Heritage Bank

Clovis, NM · Cert 57025 · Peer group: banks under $1B in assets (n=581-629) · Ahb Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$153.2MAssets
$72.8MLoans
$137.2MDeposits
$15.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: equity / assets trails 63% of banks under $1B in assets (rank 397 of 629).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.80%

Rank 93 of 629

Net Interest Margin

4.25%

Rank 107 of 629

Efficiency Ratio

48.18%

Rank 59 of 629

Equity / Assets

9.79%

Rank 397 of 629

Non-interest income vs. expense

$0.6M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 91% of banks under $1B in assets
Bank 48.18%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.80%0.60%1.01%1.45%Beats 85%93 / 629
Return on Equity18.40%5.38%9.30%13.28%Beats 91%56 / 629
Net Interest Margin4.25%3.03%3.54%4.05%Beats 83%107 / 629
Efficiency Ratio48.18%58.35%67.79%79.08%Beats 91%59 / 629
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.46%1.20%Beats 64%210 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio18.55%11.24%13.84%18.77%Beats 74%162 / 629
Total Risk-Based Capital Ratio19.80%11.58%14.43%19.66%Beats 75%155 / 629
Equity / Assets9.79%9.09%10.65%13.80%Beats 37%397 / 629
Liquidity & Funding
Loans / Deposits53.05%67.24%80.90%93.48%13th pctl519 / 594
Loans / Assets47.48%53.31%67.71%78.15%19th pctl508 / 629
Brokered Deposits / Depositsn/aNot reported for this institution