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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=573 to 620). 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

63

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

92

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 2026-10-10

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 2026-10-10

American Heritage Bank

Clovis, NM · Cert 57025 · Peer group: banks under $1B in assets (n=573-620) · 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 162 of 573).
  • Widest gap: equity / assets trails 61% of banks under $1B in assets (rank 380 of 620).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.80%

Rank 91 of 620

Net Interest Margin

4.25%

Rank 99 of 620

Efficiency Ratio

48.18%

Rank 53 of 620

Equity / Assets

9.79%

Rank 380 of 620

Non-interest income vs. expense

$0.6M$3.5MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 92% of banks under $1B in assets
Bank 48.18%Peer median 68.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.80%0.60%1.00%1.45%Beats 85%91 / 620
Return on Equity18.40%5.30%9.30%13.29%Beats 91%56 / 620
Net Interest Margin4.25%3.02%3.53%4.04%Beats 84%99 / 620
Efficiency Ratio48.18%58.35%68.08%79.37%Beats 92%53 / 620
Asset Quality
Nonperforming Loans / Loans0.22%0.09%0.47%1.27%Beats 65%204 / 573
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%162 / 573
Capital
Tier 1 Capital Ratio18.55%11.27%13.87%18.78%Beats 74%160 / 620
Total Risk-Based Capital Ratio19.80%11.69%14.57%19.67%Beats 75%153 / 620
Equity / Assets9.79%9.03%10.60%13.73%Beats 39%380 / 620
Liquidity & Funding
Loans / Deposits53.05%65.08%79.69%92.47%14th pctl505 / 585
Loans / Assets47.48%51.85%67.17%77.86%20th pctl494 / 620
Brokered Deposits / Depositsn/aNot reported for this institution