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
Unfavorable gap of $2.9M · efficiency ratio beats 91% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.80% | 0.60% | 1.01% | 1.45% | Beats 85% | 93 / 629 | |
| Return on Equity | 18.40% | 5.38% | 9.30% | 13.28% | Beats 91% | 56 / 629 | |
| Net Interest Margin | 4.25% | 3.03% | 3.54% | 4.05% | Beats 83% | 107 / 629 | |
| Efficiency Ratio | 48.18% | 58.35% | 67.79% | 79.08% | Beats 91% | 59 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.46% | 1.20% | Beats 64% | 210 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 18.55% | 11.24% | 13.84% | 18.77% | Beats 74% | 162 / 629 | |
| Total Risk-Based Capital Ratio | 19.80% | 11.58% | 14.43% | 19.66% | Beats 75% | 155 / 629 | |
| Equity / Assets | 9.79% | 9.09% | 10.65% | 13.80% | Beats 37% | 397 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 53.05% | 67.24% | 80.90% | 93.48% | 13th pctl | 519 / 594 | |
| Loans / Assets | 47.48% | 53.31% | 67.71% | 78.15% | 19th pctl | 508 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |