American Heritage Bank (Sapulpa, OK): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
American Heritage Bank, based in Sapulpa, Oklahoma, reported $1.5 billion in assets at June 30, 2026. It keeps 2.86 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds common equity equal to 23.48% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 13.52%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $41 million equal 29% of Tier 1 capital, down from 44% a year earlier. Profitability lags: it earns about $0.95 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.29).
As of June 30, 2026, American Heritage Bank reported a CET1 capital ratio of 23.48%, a return on assets of 0.95%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 0.83%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2 S Main St, Sapulpa, OK 74066
- County
- Creek
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 15, 1905
- Former names
- The American National Bank and Trust Company of Sapulpa, Oklahoma (1959-2001)
- Offices
- 24 domestic
- Employees (FTE)
- 248
- Domestic deposits
- $1.16B
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $277K
- Average total assets
- $1.50B
- Average total loans
- $498.1M
- Average interest-bearing deposits
- $853.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4190
- Fed RSSD
- 311050
- Website
- www.ahb.bank →
- Parent Holding Company
- AMERICAN BANCORPORATION, INC. (RSSD 1052220)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full American Heritage Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock American Heritage Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
American Heritage Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for American Heritage Bank: CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.48% | 0.95% | 0.21% | 0.83% | 2.86% |
| Q1 2026 | 23.52% | 0.91% | 0.09% | 0.36% | 2.78% |
| Q4 2025 | 23.24% | 1.01% | 0.12% | 0.49% | 2.89% |
| Q3 2025 | 23.92% | 1.02% | 0.13% | 0.54% | 2.87% |
| Q2 2025 | 23.65% | 0.97% | 0.16% | 0.68% | 2.76% |
| Q1 2025 | 23.87% | 0.79% | 0.10% | 0.40% | 2.56% |
| Q4 2024 | 23.61% | 0.75% | 0.06% | 0.26% | 2.54% |
| Q3 2024 | 23.60% | 0.84% | 0.04% | 0.18% | 2.49% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Heritage Bank (main office) | Sapulpa , OK | 74066 | $367.1M |
| Pawhuska Branch | Pawhuska , OK | 74056 | $142.5M |
| South Sand Springs Branch | Sand Springs , OK | 74063 | $87.5M |
| Mannford Branch | Mannford , OK | 74044 | $76.3M |
| Cleveland Branch | Cleveland , OK | 74020 | $70.5M |
| 4th & Lewis Branch | Tulsa , OK | 74104 | $56.7M |
| Adams Road Branch | Sand Springs , OK | 74063 | $50.4M |
| Yale Branch | Yale , OK | 74085 | $44.2M |
| 7042 South Union Avenue Branch | Tulsa , OK | 74132 | $36.6M |
| Beggs Branch | Beggs , OK | 74421 | $32.2M |
| Bartlesville Branch | Bartlesville , OK | 74006 | $30.4M |
| Kellyville Branch | Kellyville , OK | 74039 | $28.6M |
| Cleveland Motor Bank Branch | Cleveland , OK | 74020 | $24.9M |
| Glenpool Branch | Glenpool , OK | 74033 | $22.9M |
| Kiefer Branch | Kiefer , OK | 74041 | $22.4M |
| Tulsa Branch | Tulsa , OK | 74137 | $17.9M |
| Barnsdall Branch | Barnsdall , OK | 74002 | $16.8M |
| Mounds Branch | Mounds , OK | 74047 | $16.7M |
| Berryhill Branch | Tulsa , OK | 74107 | $12.3M |
| Mannford Motor Bank Branch | Mannford , OK | 74044 | $3.0M |
| Drive-In Branch | Cleveland , OK | 74020 | $0 |
| West Branch | Tulsa , OK | 74107 | $0 |
| Sapulpa Motor Branch | Sapulpa , OK | 74066 | $0 |
| Mission Street Branch | Sapulpa , OK | 74066 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 19, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 19, 2020 | Structure Change | Acquired Peoples Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 2015 | Structure Change | Acquired First National Bank in Pawhuska Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired The Cleveland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2012 | Structure Change | Acquired Osage Federal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 13, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 13, 2002 | Structure Change | Acquired First Bank of Cleveland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 3, 2001 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 2, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 1993 | Structure Change | Acquired Limestone National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 23, 1991 | Structure Change | Acquired American Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 22, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 26, 1990 | Structure Change | Acquired Family Savings Bank FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 25, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 6, 1987 | Structure Change | Acquired First National Bank of Sapulpa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 5, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 20 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for American Heritage Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in OK, rank 23 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $750K approved, $750K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about American Heritage Bank
What are American Heritage Bank's total assets?
As of the Q2 2026 filing, American Heritage Bank reported total assets of $1.48 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Heritage Bank headquartered?
American Heritage Bank is headquartered in Sapulpa, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was American Heritage Bank founded?
American Heritage Bank was established in 1905, per the FDIC institution directory.
Is American Heritage Bank FDIC-insured?
Yes. American Heritage Bank is an FDIC-insured commercial bank (FDIC Certificate #4190). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Heritage Bank?
American Heritage Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is American Heritage Bank's CET1 capital ratio?
American Heritage Bank reported a Common Equity Tier 1 (CET1) capital ratio of 23.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Heritage Bank operate?
American Heritage Bank operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Heritage Bank's Texas Ratio?
American Heritage Bank's Texas Ratio is 0.83% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was American Heritage Bank previously called?
The charter now named American Heritage Bank has also operated as The American National Bank and Trust Company of Sapulpa, Oklahoma (1959-2001), per FDIC structure-change records.
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