BlastPoint's Banking Scorecard
American Heritage Bank
Designations: ✓ Community bank
Sapulpa, OK
24 branches across OK
American Heritage Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39.1% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 39.2% in tier
- - Net Interest Margin 1.13% below tier average
- - ROA 0.44% below tier average
- - Efficiency Ratio 7.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-2.3% YoY
+3.6% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$495.3M
+0.0% YoY
-0.6% QoQ
|
-$1.5B |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.8% in tier |
| Total Deposits ? |
$1.2B
-3.1% YoY
+0.3% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
0.92%
+14.9% YoY
-3.7% QoQ
|
-0.44% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
2.69%
+7.0% YoY
-0.3% QoQ
|
-1.13% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio ? |
68.40%
-3.5% YoY
+0.6% QoQ
|
+7.34% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.09%
-3.9% YoY
-24.3% QoQ
|
-0.79% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 11.1% in tier |
| Loan-to-Deposit Ratio ? |
42.45%
+3.2% YoY
-0.9% QoQ
|
-41.76% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 3.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.13%
+0.0% YoY
+1.6% QoQ
|
+4.84% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.03%
-1.6% YoY
-27.4% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 6.6% in tier |
| Tier 1 Capital Ratio ? |
23.52%
-1.5% YoY
+1.2% QoQ
|
+8.36% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 5.0% in tier |
| Non-Interest Income / Assets ? |
0.15%
+5.1% YoY
-76.5% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
54% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.