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American Heritage Bank

$1B-$10B Specialty: Other OK FDIC cert 4190

Designations: ✓ Community bank

Sapulpa, OK

24 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
  • Deposits -2.1% year over year ($1.2B on the books).
  • Delinquency rate 0.21%.
  • Return on assets 0.95%.
  • Efficiency ratio 67.99% vs a 59.73% peer average.
  • Loan-to-deposit ratio 42.76% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in OK
View $1B-$10B leaderboard (OK) →

American Heritage Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 12.0% in tier
  • - Flatlined Growth: Bottom 28.4% in tier
  • - Deposit Outflow: Bottom 47.3% in tier
  • - Net Interest Margin 1.14% below tier average
  • - ROA 0.44% below tier average
  • - Efficiency Ratio 8.26% above tier average
Get updates when American Heritage Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $1.5B
-0.2% YoY -0.7% QoQ
-$1.3B $2.8B
-0.6% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $495.9M
-1.7% YoY +0.1% QoQ
-$1.5B $2.0B
-0.3% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
Bottom 2.6% in tier
Total Deposits ? $1.2B
-2.1% YoY -0.6% QoQ
-$1.2B $2.3B
-0.5% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 0.95%
+5.6% YoY +2.4% QoQ
-0.44% 1.39%
+17.0% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 2.74%
+4.4% YoY +1.7% QoQ
-1.14% 3.87%
+6.2% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Bottom 7.5% in tier
Efficiency Ratio ? 67.99%
-1.5% YoY -0.6% QoQ
+8.26% 59.73%
-12.6% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 0.21%
+32.1% YoY +123.6% QoQ
-0.65% 0.87%
+11.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 42.76%
+0.4% YoY +0.8% QoQ
-42.27% 85.04%
-0.1% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Top 2.8% in tier
Non-Interest-Bearing Deposit Share ? 26.73%
+0.6% YoY +2.3% QoQ
+5.45% 21.27%
-1.5% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.07%
+35.1% YoY +134.2% QoQ
-0.60% 0.67%
+11.7% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Top 12.1% in tier
Tier 1 Capital Ratio ? 23.48%
-0.7% YoY -0.2% QoQ
+8.64% 14.84%
-0.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Top 4.7% in tier
Non-Interest Income / Assets ? 0.31%
+2.5% YoY +103.2% QoQ
-0.22% 0.53%
+2.5% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 26.7%
+0.2pp YoY
+0.6pp QoQ
 +5.4pp 21.4% 23.9% 22.2% 76%
Brokered Deposits n/a n/a 9.5% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 9.4%
-1.5pp YoY
-0.4pp QoQ
 -4.6pp 14.0% 15.7% 12.5% 41%
CRE 40.2%
+0.8pp YoY
-0.2pp QoQ
 -9.8pp 50.0% 42.0% 41.4% 26%
1-4 Family 39.7%
+0.6pp YoY
+0.1pp QoQ
 +13.3pp 26.4% 24.0% 31.3% 81%
Consumer 4.1%
-0.6pp YoY
-0.1pp QoQ
 -0.6pp 4.7% 5.6% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 23.5%
-0.2pp YoY
0.0pp QoQ
 +7.9pp 15.6% 17.0% 19.7% 94%
Leverage Ratio 9.6%
+0.1pp YoY
0.0pp QoQ
 -1.7pp 11.3% 11.7% 12.6% 24%
Total Capital Ratio 24.7%
-0.2pp YoY
0.0pp QoQ
 +8.0pp 16.7% 18.2% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 248
-8 (-3.1%) YoY
+7 (+2.9%) QoQ
 -66 313 150 482 54%
Assets per Employee ($) $6.0M
+3.0% YoY
-3.5% QoQ
 -$4.5M $10.5M $6.5M $8.8M 12%
Branch Count 24
0 YoY
0 QoQ
 +4 20 8 18 74%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.9% 0.4% 17%
Nonaccrual 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 0.8% 1.5% 1.0% 22%
Allowance Coverage 7.12x
-20.9% YoY
-54.8% QoQ
 -11.59x 18.71x 61.99x 20.23x 83%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 69%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 10.4%
-0.3pp YoY
+0.2pp QoQ
 -2.2pp 12.6% 11.9% 11.6% 37%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.8% 1.7% 25%
Net Income ($, YTD) $7.0M
+3.5% YoY
— QoQ
 -$12.3M $19.2M $8.7M $40.4M 23%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#22 of 221 • Top 9.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#60 of 492 • Bottom 12.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.21%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Flatlined Growth

risk
#47 of 162 • Bottom 28.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.95%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Deposit Outflow

decline
#63 of 131 • Bottom 47.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

26
Loan-to-Deposit Ratio
liquidity
Value: 42.76%
Peer Median: 85.04%
#26 of 885 Top 2.8% in $1B-$10B
43
Tier 1 Capital Ratio
capital
Value: 23.48%
Peer Median: 14.84%
#43 of 885 Top 4.7% in $1B-$10B
108
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#108 of 885 Top 12.1% in $1B-$10B
199
Delinquency Rate
credit_quality
Value: 0.21%
Peer Median: 0.87%
#199 of 882 Top 22.4% in $1B-$10B
212
Non-Interest-Bearing Deposit Share
funding
Value: 26.73%
Peer Median: 21.27%
#212 of 885 Top 23.8% in $1B-$10B

Top Weaknesses (2 metrics)

863
Total Loans
size
Value: $495.94M
Peer Median: $1.96B
#863 of 885 Bottom 2.6% in $1B-$10B
820
Net Interest Margin
profitability
Value: 2.74%
Peer Median: 3.87%
#820 of 885 Bottom 7.5% in $1B-$10B
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