BlastPoint's Banking Scorecard

American Heritage Bank

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

Clovis, NM

2 branches across NM

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 21 in NM.
Deposits +13.1% year over year ($137.2M on the books).
Delinquency rate 0.23%.
Return on assets 1.85%.
Efficiency ratio 48.18% vs a 64.48% peer average.
Loan-to-deposit ratio 52.11% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 21 in NM

View $100M-$1B leaderboard (NM) →

American Heritage Bank shows strong momentum with 4 strengths and 12.5% 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 29.5% in tier
+ ROA 0.53% above tier average
+ Efficiency Ratio 16.30% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when American Heritage Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Total Assets ?	$153.2M +12.5% YoY +2.9% QoQ	-$233.3M	$386.6M +1.2% YoY	$566.9M +3.2% YoY	$6.3B +7.7% YoY	Bottom 15.0% in tier
Total Loans ?	$71.5M -5.5% YoY -3.2% QoQ	-$186.9M	$258.3M +1.7% YoY	$317.6M +7.5% YoY	$3.2B +9.4% YoY	Bottom 7.5% in tier
Total Deposits ?	$137.2M +13.1% YoY +2.7% QoQ	-$189.6M	$326.7M +0.7% YoY	$493.4M +2.0% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	1.85% +0.2% YoY +1.6% QoQ	+0.53%	1.32% +10.8% YoY	1.89% +4.0% YoY	1.30% +12.1% YoY	82%
Net Interest Margin ?	4.75% -7.3% YoY -0.2% QoQ	+0.76%	3.99% +5.0% YoY	4.43% +1.2% YoY	3.95% +4.9% YoY	Top 13.0% in tier
Efficiency Ratio ?	48.18% -1.0% YoY -2.7% QoQ	-16.30%	64.48% -3.2% YoY	57.29% +2.1% YoY	70.05% +2.5% YoY	Top 13.3% in tier
Delinquency Rate ?	0.23% -92.1% YoY -2.7% QoQ	-0.69%	0.92% +15.7% YoY	1.04% -16.3% YoY	0.98% +16.3% YoY	64%
Loan-to-Deposit Ratio ?	52.11% -16.4% YoY -5.8% QoQ	-25.85%	77.95% +1.0% YoY	57.68% +1.9% YoY	79.03% +2.3% YoY	Top 10.0% in tier
Non-Interest-Bearing Deposit Share ?	39.45% +6.0% YoY -0.1% QoQ	+17.42%	22.03% -0.6% YoY	32.88% -1.5% YoY	21.98% -0.6% YoY	Top 5.1% in tier
Nonperforming Asset Ratio ?	0.11% -93.3% YoY -8.5% QoQ	-0.56%	0.67% +16.4% YoY	0.60% -19.3% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	18.55% +8.1% YoY +6.0% QoQ	+2.64%	15.91% +1.4% YoY	21.71% -4.2% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.20% -3.1% YoY +74.4% QoQ	-0.37%	0.57% +7.6% YoY	0.46% -9.7% YoY	0.66% +5.2% YoY	49%

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 (NM)	National Avg	Tier Percentile
Noninterest-Bearing	39.5% +2.2pp YoY 0.0pp QoQ	+17.3pp	22.1%	34.1%	22.2%	95%
Brokered Deposits	n/a	n/a	7.9%	5.2%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
C&I	19.2% +1.1pp YoY -1.8pp QoQ	+7.7pp	11.6%	20.2%	12.5%	87%
CRE	n/a	n/a	39.5%	50.8%	41.4%	n/a
1-4 Family	16.0% -1.4pp YoY 0.0pp QoQ	-16.6pp	32.6%	20.2%	31.3%	21%
Consumer	0.7% +0.1pp YoY 0.0pp QoQ	-3.4pp	4.1%	3.8%	5.0%	20%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
CET1 Ratio	18.6% +1.4pp YoY +1.1pp QoQ	-0.3pp	18.8%	26.0%	19.7%	72%
Leverage Ratio	11.1% -0.8pp YoY +0.1pp QoQ	-1.1pp	12.2%	13.9%	12.6%	52%
Total Capital Ratio	19.8% +1.4pp YoY +1.1pp QoQ	-0.1pp	19.9%	27.1%	20.8%	73%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Full-Time Employees	19 0 YoY -1 (-5.0%) QoQ	-40	58	75	482	9%
Assets per Employee ($)	$8.1M +12.5% YoY +8.3% QoQ	+$547K	$7.5M	$7.6M	$8.8M	68%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.1%	1.0%	32%
Allowance Coverage	8.02x +1345.3% YoY +7.5% QoQ	-16.13x	24.15x	56.44x	20.23x	79%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
ROE	18.4% -0.3pp YoY +0.5pp QoQ	+6.2pp	12.2%	18.9%	11.6%	83%
Cost of Funds (YTD)	0.9% -0.2pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.0%	1.7%	9%
Net Income ($, YTD)	$1.4M +10.6% YoY — QoQ	-$1.2M	$2.6M	$5.6M	$40.4M	38%

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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

#83 of 278 • Top 29.5% 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: 39.45%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.75%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

136

Non-Interest-Bearing Deposit Share

funding

Value: 39.45%

Peer Median: 22.03%

#136 of 2643 Top 5.1% in $100M-$1B

266

Loan-to-Deposit Ratio

liquidity

Value: 52.11%

Peer Median: 77.95%

#266 of 2643 Top 10.0% in $100M-$1B

344

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.99%

#344 of 2643 Top 13.0% in $100M-$1B

353

Efficiency Ratio

profitability

Value: 48.18%

Peer Median: 64.48%

#353 of 2643 Top 13.3% in $100M-$1B

454

Tier 1 Capital Ratio

capital

Value: 18.55%

Peer Median: 15.91%

#454 of 2643 Top 17.1% in $100M-$1B

476

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.32%

#476 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (3 metrics)

2447

Total Loans

size

Value: $71.47M

Peer Median: $258.35M

#2447 of 2643 Bottom 7.5% in $100M-$1B

2248

Total Assets

size

Value: $153.23M

Peer Median: $386.57M

#2248 of 2643 Bottom 15.0% in $100M-$1B

2182

Total Deposits

size

Value: $137.16M

Peer Median: $326.73M

#2182 of 2643 Bottom 17.5% in $100M-$1B