BlastPoint's Banking Scorecard

American Heritage Bank

$100M-$1B Specialty: Agricultural NM FDIC cert 57025

Clovis, NM

2 branches across NM

2664 banks in the $100M-$1B peer group nationally 22 in NM

American Heritage Bank shows strong momentum with 4 strengths and 9.3% YoY asset growth

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

+ Deposit Franchise: Top 26.8% in tier
+ ROA 0.55% above tier average
+ Efficiency Ratio 15.79% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$149.0M +9.3% YoY +2.2% QoQ	-$237.1M	$386.1M +0.5% YoY	$562.1M +2.2% YoY	$6.2B +9.1% YoY	Bottom 14.0% in tier
Total Loans ?	$73.9M -7.7% YoY -4.9% QoQ	-$181.9M	$255.7M +1.1% YoY	$311.0M +7.5% YoY	$3.2B +10.8% YoY	Bottom 8.7% in tier
Total Deposits ?	$133.6M +9.4% YoY +3.5% QoQ	-$194.4M	$328.0M +0.1% YoY	$489.7M +0.9% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	1.82% -0.9% YoY -1.4% QoQ	+0.55%	1.27% +12.9% YoY	1.89% +10.3% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.76% -7.3% YoY -5.9% QoQ	+0.83%	3.93% +6.0% YoY	4.41% +2.5% YoY	3.89% +5.7% YoY	Top 11.9% in tier
Efficiency Ratio ?	49.50% +0.4% YoY +1.7% QoQ	-15.79%	65.29% -4.5% YoY	56.82% -1.4% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.23% -3.0% YoY -14.4% QoQ	-0.66%	0.89% +18.8% YoY	1.04% -3.5% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	55.29% -15.6% YoY -8.1% QoQ	-21.35%	76.64% +0.8% YoY	57.05% +2.9% YoY	76.70% +0.9% YoY	Top 13.8% in tier
Non-Interest-Bearing Deposit Share ?	39.49% +6.3% YoY -1.2% QoQ	+17.47%	22.02% -1.0% YoY	32.96% +0.3% YoY	22.01% -1.2% YoY	Top 5.2% in tier
Nonperforming Asset Ratio ?	0.11% -18.1% YoY -20.3% QoQ	-0.52%	0.64% +19.7% YoY	0.58% -1.5% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	17.50% +8.5% YoY -5.8% QoQ	+1.67%	15.83% +1.5% YoY	21.68% -6.9% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.11% +12.7% YoY -70.5% QoQ	-0.17%	0.28% +9.3% YoY	0.22% -8.0% YoY	0.32% +4.1% YoY	60%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Deposit Franchise

growth

#74 of 272 • Top 26.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.49%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.76%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

139

Non-Interest-Bearing Deposit Share

funding

Value: 39.49%

Peer Median: 22.02%

#139 of 2664 Top 5.2% in $100M-$1B

317

Net Interest Margin

profitability

Value: 4.76%

Peer Median: 3.93%

#317 of 2664 Top 11.9% in $100M-$1B

369

Loan-to-Deposit Ratio

liquidity

Value: 55.29%

Peer Median: 76.64%

#369 of 2664 Top 13.8% in $100M-$1B

403

Efficiency Ratio

profitability

Value: 49.50%

Peer Median: 65.29%

#403 of 2664 Top 15.1% in $100M-$1B

475

Return on Assets

profitability

Value: 1.82%

Peer Median: 1.27%

#475 of 2664 Top 17.8% in $100M-$1B

552

Tier 1 Capital Ratio

capital

Value: 17.50%

Peer Median: 15.83%

#552 of 2664 Top 20.7% in $100M-$1B

Top Weaknesses (3 metrics)

2434

Total Loans

size

Value: $73.86M

Peer Median: $255.72M

#2434 of 2664 Bottom 8.7% in $100M-$1B

2293

Total Assets

size

Value: $148.98M

Peer Median: $386.08M

#2293 of 2664 Bottom 14.0% in $100M-$1B

2225

Total Deposits

size

Value: $133.59M

Peer Median: $327.97M

#2225 of 2664 Bottom 16.5% in $100M-$1B