American Heritage Bank (Clovis, NM)
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Data as of · sourced from FFIEC call reports. How we update
American Heritage Bank is an FDIC-insured commercial bank headquartered in Clovis, NM, established in 2000 (FDIC certificate 57025), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $153.2M, up 12.5% from Q2 2025, the 26th largest of 29 banks headquartered in New Mexico. Its CET1 capital ratio was 18.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57025
- Headquarters
- Clovis, NM
- Established
- 2000
- Total assets, Q2 2026
- $153.2M
- Assets vs Q2 2025
- +12.5%
- CET1 ratio, Q2 2026
- 18.55%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 112206792
- Latest call report
- Q2 2026, FFIEC 051 · American Heritage Bank call report
- Holding company
- AHB BANCSHARES, INC.
- Asset rank in state
- 26th of 29 in New Mexico
American Heritage Bank, based in Clovis, New Mexico, reported $153 million in assets at June 30, 2026, up 12.5% from a year earlier. It pays an average of 0.96% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 5.3% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.22% of loans from 2.79%. Loans and deposits moved in opposite directions: over the year loans fell 5.3% and deposits rose 13.1%.
As of June 30, 2026, American Heritage Bank reported a CET1 capital ratio of 18.55%, a return on assets of 1.83%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 0.99%. The figures come from its call report filed with the FFIEC.
Of the 29 banks headquartered in New Mexico, American Heritage Bank is the 26th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $153.2M, loans fell 3.2% and deposits rose 2.7%. Agricultural production loans made up 33.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 18.9%. The FDIC Summary of Deposits lists 2 offices for it, in Clovis, NM and Melrose, NM; its Clovis office books 100% of its branch deposits. Judged on its Q2 2026 call report, American Heritage Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 5, 2000
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $137.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $155.2M
- Average total loans
- $74.9M
- Average interest-bearing deposits
- $82.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 5, 2000
- FDIC Cert
- 57025
- Fed RSSD
- 2960555
- Website
- www.ahbnm.com →
- Parent Holding Company
- AHB BANCSHARES, INC. (RSSD 4665265)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, American Heritage Bank's total assets ran between $127.8M (Q1 2024) and $153.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$153.2M total assets against $136.2M; $138.2M total liabilities against $122.3M.
$71.5M net loans and leases against $75.6M; $137.2M total deposits against $121.3M.
$52.4M securities against $34.1M; $22.6M cash and balances due against $19.7M.
$2.0M total interest income against $1.9M; $327K total interest expense against $344K.
$1.7M net interest income against $1.6M.
$135K total noninterest income against $142K; $848K total noninterest expense against $837K.
$15K provision for credit losses against $60K.
$710K net income against $630K.
1.83% return on assets against 1.81%; 4.57% net interest margin against 4.92%.
18.55% CET1 capital ratio against 17.16%; 11.09% tier 1 leverage ratio against 11.89%.
Inside the full American Heritage Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAmerican Heritage Bank rankings
Its closest position to the top of a national ranking is 527 of 3,606, for efficiency ratio; its furthest is 3,270 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.17% (Q4 2024) to 1.97% (Q3 2024) and its net interest margin ran from 4.57% (Q2 2026) to 5.20% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.55% | 1.83% | 0.22% | 0.99% | 4.57% |
| Q1 2026 | 17.50% | 1.78% | 0.23% | 1.10% | 4.59% |
| Q4 2025 | 18.57% | 1.82% | 0.27% | 1.24% | 4.82% |
| Q3 2025 | 18.17% | 1.84% | 0.47% | 2.29% | 4.97% |
| Q2 2025 | 17.16% | 1.81% | 2.79% | 14.21% | 4.92% |
| Q1 2025 | 16.12% | 1.77% | 0.24% | 1.35% | 4.87% |
| Q4 2024 | 17.00% | 1.17% | 0.31% | 1.69% | 4.89% |
| Q3 2024 | 16.62% | 1.97% | 0.57% | 3.07% | 5.20% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| American Heritage Bank (main office) | Clovis , NM | 88101 | $137.2M |
| Melrose Branch | Melrose , NM | 88124 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in NM, rank 46 of 55 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $45K approved, $45K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $153.2 million in its FFIEC call report.
Where is American Heritage Bank headquartered?
It is headquartered in Clovis, NM, United States.
When was American Heritage Bank founded?
It was established in 2000, per the FDIC institution directory.
Is American Heritage Bank FDIC-insured?
Yes. It 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.
What is American Heritage Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.55% 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?
It operates 2 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?
Its Texas Ratio is 0.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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