American Heritage Bank (Sapulpa, OK)
BankRegReports is independent of American Heritage Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
American Heritage Bank is an FDIC-insured commercial bank headquartered in Sapulpa, OK, established in 1905 (FDIC certificate 4190), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.48B, down 0.2% from Q2 2025, the 16th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 23.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4190
- Headquarters
- Sapulpa, OK
- Established
- 1905
- Total assets, Q2 2026
- $1.48B
- Assets vs Q2 2025
- -0.2%
- CET1 ratio, Q2 2026
- 23.48%
- Domestic offices
- 24 FDIC institution directory, current count
- Routing number
- 103100616
- Latest call report
- Q2 2026, FFIEC 051 · American Heritage Bank call report
- Holding company
- AMERICAN BANCORPORATION, INC.
- Asset rank in state
- 16th of 169 in Oklahoma
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Heritage Bank is the 16th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 0.7% to $1.48B, loans rose 0.1% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.2% of total loans, followed by non-owner-occupied commercial real estate loans at 23.4%. The FDIC Summary of Deposits lists 24 offices for it, in 14 cities in OK; its Sapulpa 3 offices book 32% 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
- 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)
- Domestic offices
- 24 FDIC institution directory, current count
- 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
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
From Q3 2023 to Q2 2026, American Heritage Bank's total assets ranged from $1.44B (Q4 2025) to $1.53B (Q1 2025), 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
$1.48B total assets against $1.49B; $1.35B total liabilities against $1.36B.
$495.9M net loans and leases against $504.6M; $1.16B total deposits against $1.18B.
$787.8M securities against $754.8M; $147.0M cash and balances due against $175.7M.
$15.2M total interest income against $15.6M; $5.4M total interest expense against $5.8M.
$9.8M net interest income against $9.8M.
$2.3M total noninterest income against $2.2M; $8.2M total noninterest expense against $8.1M.
$208K provision for credit losses against $99K.
$3.6M net income against $3.7M.
0.95% return on assets against 0.97%; 2.86% net interest margin against 2.76%.
23.48% CET1 capital ratio against 23.65%; 9.57% tier 1 leverage ratio against 9.43%.
Inside the full American Heritage Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 201 of 2,134, for CET1 ratio; its furthest is 2,780 of 3,640, for Texas Ratio.
Metric pages for American Heritage Bank: CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.75% (Q4 2024) to 1.02% (Q3 2025) and its net interest margin ran from 2.49% (Q3 2024) to 2.89% (Q4 2025).
| 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
View all 24 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) | 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in OK, rank 23 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- 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
Add this badge to your website
Free to use. It shows American Heritage Bank’s latest filed figures and updates each quarter.
Similar banks
Compare American Heritage Bank with peers
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.
Where is American Heritage Bank headquartered?
It is headquartered in Sapulpa, OK, United States.
When was American Heritage Bank founded?
It was established in 1905, per the FDIC institution directory.
Is American Heritage Bank FDIC-insured?
Yes. It 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.
What is American Heritage Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.83% 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.
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.
Go deeper on American Heritage Bank.
Get an email when American Heritage Bank files its next call report, and benchmark it against any peer you choose.
Unlock American Heritage Bank, freeFree account