American Heritage Bank
Capital moved notably last quarter — CET1 ratio of 17.50% was down 107bps from the prior quarter. American Heritage Bank is an FDIC-insured commercial bank. Total assets stand at $149M. Returns are notably above industry norms: 1.78% ROA, 17.90% ROE, and 4.59% NIM. Capital is comfortably above regulatory minimums — CET1 ratio of 17.50% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.23% NPLs and a 1.10% Texas Ratio. 2 branches make up the footprint.
Headquarters Profile
- Address
- 3300 N Prince St, CLOVIS, NM 88101
- County
- Curry
- Metro Area
- CLOVIS, NM
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- December 5, 2000
- Branches
- 2 domestic
- Employees (FTE)
- 20
- FDIC Cert
- 57025
- Fed RSSD
- 2960555
- Website
- www.ahbnm.com →
- Parent Holding Company
- AHB BANCSHARES, INC. (RSSD 4665265)
Capital & Liquidity
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American Heritage Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about American Heritage Bank
What are American Heritage Bank's total assets?
As of the Q1 2026 filing, American Heritage Bank reported total assets of $149.0 million in its most recent 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 CLOVIS, NM, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American Heritage Bank founded?
American Heritage Bank was established in 2000, per the FDIC institution directory.
Is American Heritage Bank FDIC-insured?
Yes. American Heritage Bank is an FDIC-insured commercial bank (FDIC Certificate #57025). 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 FDIC. 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 17.50% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does American Heritage Bank operate?
American Heritage Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is American Heritage Bank's Texas Ratio?
American Heritage Bank's Texas Ratio is 1.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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