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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