American Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Heritage Bank of Clovis, NM against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.83% | 1.35% | +0.48% | 79th top |
| ROAE | 19.44% | 12.05% | +7.39% | 85th top |
| Net Interest Margin | 4.57% | 3.90% | +0.67% | 81st top |
| Efficiency Ratio | 46.84% | 63.15% | -16.31% | 87th top |
| PPNR / Avg Assets | 2.48% | 1.64% | +0.84% | 88th top |
| Yield on Earning Assets | 5.46% | 5.65% | -0.19% | 43rd below |
| Cost of Funds | 0.96% | 1.85% | -0.89% | 92nd top |
| Net Interest Spread | 3.86% | 3.35% | +0.51% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.92% | -0.70% | 62nd above |
| NPA / Total Assets | 0.11% | 0.67% | -0.56% | 69th above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.78% | 1.28% | +0.50% | 89th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 802.48% | 1645.50% | -843.02% | 80th top |
| Texas Ratio | 0.99% | 7.15% | -6.16% | 73rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.55% | 20.83% | -2.28% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.55% | 20.86% | -2.31% | 72nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.80% | 21.94% | -2.14% | 72nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.09% | 12.46% | -1.37% | 52nd above |
| Equity / Assets | 9.79% | 11.67% | -1.88% | 41st below |
| TCE / Tangible Assets | 9.79% | 11.40% | -1.61% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 53.05% | 78.65% | -25.60% | 90th top |
| Core Deposit Ratio | 89.17% | 87.09% | +2.08% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.47% | 6.47% | +6.00% | 88th top |
| Loan Growth (Y/Y) | -5.27% | 7.64% | -12.91% | 7th bottom |
| Deposit Growth (Y/Y) | 13.08% | 6.02% | +7.06% | 89th top |
See American Heritage Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Heritage Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Heritage Bank profile, how to read a UBPR, or how this data updates.