American Heritage Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 1.70 percentage points lower than in Q1 2026, at 11.19%. American Heritage Bank ranks 151st of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 43.41% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, American Heritage Bank reported 43.41% on loan-to-deposit ratio in Q2 2026, 44.79 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $503.4M |
| Net loans and leases | $495.9M |
| Loans held for sale | $200K |
| Loans to total assets | 33.92% |
| Loan-to-deposit ratio | 43.41% |
| Net loans to equity capital | 3.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.44% |
| Multifamily (5+ residential) | 1.85% |
| Commercial and industrial | 9.29% |
| Consumer | 4.06% |
| Credit cards | 0.18% |
| Farm | 1.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.06% |
| Construction concentration (Tier 1 capital + allowance) | 11.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.67% |
| Interest income on loans | $8.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $492.3M | $1.22B | 32.56% | 12.60% | 5.77% |
| Q4 2023 | $493.0M | $1.22B | 33.26% | 11.60% | 5.83% |
| Q1 2024 | $491.3M | $1.21B | 33.13% | 11.61% | 5.70% |
| Q2 2024 | $488.0M | $1.20B | 33.50% | 11.08% | 5.63% |
| Q3 2024 | $495.2M | $1.19B | 34.05% | 10.70% | 5.41% |
| Q4 2024 | $499.7M | $1.21B | 33.38% | 11.22% | 5.11% |
| Q1 2025 | $502.4M | $1.20B | 33.29% | 10.50% | 4.81% |
| Q2 2025 | $511.9M | $1.18B | 33.95% | 10.74% | 4.68% |
| Q3 2025 | $509.6M | $1.15B | 32.81% | 10.95% | 4.57% |
| Q4 2025 | $505.7M | $1.16B | 33.05% | 9.90% | 4.42% |
| Q1 2026 | $502.7M | $1.17B | 34.13% | 9.70% | 4.12% |
| Q2 2026 | $503.4M | $1.16B | 34.44% | 9.29% | 4.06% |
American Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Heritage Bank, freeSource: Call Report Schedule RC-C, 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 4190) · FFIEC NIC profile (RSSD 311050)