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
Unfavorable gap of $2.9M · efficiency ratio beats 92% 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% | 1.00% | 1.45% | Beats 85% | 91 / 620 | |
| Return on Equity | 18.40% | 5.30% | 9.30% | 13.29% | Beats 91% | 56 / 620 | |
| Net Interest Margin | 4.25% | 3.02% | 3.53% | 4.04% | Beats 84% | 99 / 620 | |
| Efficiency Ratio | 48.18% | 58.35% | 68.08% | 79.37% | Beats 92% | 53 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.47% | 1.27% | Beats 65% | 204 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 18.55% | 11.27% | 13.87% | 18.78% | Beats 74% | 160 / 620 | |
| Total Risk-Based Capital Ratio | 19.80% | 11.69% | 14.57% | 19.67% | Beats 75% | 153 / 620 | |
| Equity / Assets | 9.79% | 9.03% | 10.60% | 13.73% | Beats 39% | 380 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 53.05% | 65.08% | 79.69% | 92.47% | 14th pctl | 505 / 585 | |
| Loans / Assets | 47.48% | 51.85% | 67.17% | 77.86% | 20th pctl | 494 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |