AMERICAN HERITAGE BANK

CLOVIS, NM | Small | Est. Dec. 5, 2000, midnight | FDIC #57025 | RSSD #2960555 | FDIC
Latest Report: 2025-12-31

AMERICAN HERITAGE BANK is asn small FDIC-insured commercial bank headquartered in CLOVIS, NM, established in Dec. 5, 2000, midnight. As of 2025-12-31, the bank reported total assets of $146M and total deposits of $129M. Profitability stands at 1.85% ROA and 17.15% ROE, with a net interest margin of 5.00%. The bank's CET1 capital ratio is 18.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.27% and a Texas Ratio of 1.24%. FDIC Certificate #57025.

Assets

$146M

Deposits

$129M

Loans

$79M

Equity

$16M

Profitability

Return on Assets (ROA) 1.85%
Return on Equity (ROE) 17.15%
Net Interest Margin (NIM) 5.00%
Yield on Assets 6.07%
Cost of Funds 1.11%

Asset Quality

NPL Ratio 0.27%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.24%
NPA Ratio 0.14%
ACL / Loans 1.60%

Capital & Liquidity

CET1 Ratio 18.57%
Tier 1 Capital 18.57%
Total Capital Ratio 19.82%
Leverage Ratio 12.37%
Loan-to-Deposit 61.14%

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