American Heritage Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 55.70 percentage points in Q2 2026, from 746.78% to 802.48%. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, American Heritage Bank is 17th of 29 on return on assets, 1.83% as of Q2 2026, below the middle of the field. American Heritage Bank reported 1.83% on return on assets for Q2 2026, 0.58 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.55% |
| Tier 1 risk-based capital ratio | 18.55% |
| Total risk-based capital ratio | 19.80% |
| Tier 1 leverage ratio | 11.09% |
| Equity capital to assets | 9.79% |
| Tangible equity to tangible assets | 9.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.99% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | 802.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 19.44% |
| Net interest margin | 4.57% |
| Efficiency ratio | 46.84% |
| Yield on earning assets | 5.46% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.05% |
| Core deposits to total deposits | 89.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.51% |
| Securities to assets | 34.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.56% | 15.56% | 16.70% | 11.18% | 1.97% |
| Q4 2023 | 16.44% | 16.44% | 17.64% | 11.51% | 1.96% |
| Q1 2024 | 15.64% | 15.64% | 16.82% | 11.56% | 2.17% |
| Q2 2024 | 16.00% | 16.00% | 17.19% | 12.09% | 2.02% |
| Q3 2024 | 16.62% | 16.62% | 17.85% | 12.17% | 1.97% |
| Q4 2024 | 17.00% | 17.00% | 18.14% | 12.17% | 1.17% |
| Q1 2025 | 16.12% | 16.12% | 17.27% | 11.35% | 1.77% |
| Q2 2025 | 17.16% | 17.16% | 18.40% | 11.89% | 1.81% |
| Q3 2025 | 18.17% | 18.17% | 19.42% | 12.35% | 1.84% |
| Q4 2025 | 18.57% | 18.57% | 19.82% | 12.37% | 1.82% |
| Q1 2026 | 17.50% | 17.50% | 18.75% | 10.96% | 1.78% |
| Q2 2026 | 18.55% | 18.55% | 19.80% | 11.09% | 1.83% |
American Heritage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock American Heritage Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57025) · FFIEC NIC profile (RSSD 2960555)