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 Sapulpa, OK against its peer group of 927 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 | 0.95% | 1.46% | -0.51% | 26th below |
| ROAE | 10.59% | 12.69% | -2.10% | 37th below |
| Net Interest Margin | 2.86% | 3.85% | -0.99% | 10th bottom |
| Efficiency Ratio | 64.70% | 57.40% | +7.30% | 32nd below |
| PPNR / Avg Assets | 1.04% | 1.88% | -0.84% | 17th bottom |
| Yield on Earning Assets | 4.34% | 5.72% | -1.38% | 5th bottom |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 76th top |
| Net Interest Spread | 2.28% | 3.18% | -0.90% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.70% | 1.00% | -0.30% | 45th below |
| NPA / Total Assets | 0.24% | 0.76% | -0.52% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.43% | -0.34% | 30th below |
| ACL / Total Loans | 1.48% | 1.31% | +0.17% | 85th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 210.73% | 564.57% | -353.84% | 57th above |
| Texas Ratio | 2.73% | 7.39% | -4.66% | 69th above |
| Provision / NCO | 109.39% | 618.89% | -509.50% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.48% | 17.33% | +6.15% | 94th top |
| Tier 1 Ratio | 23.48% | 17.36% | +6.12% | 94th top |
| Total Capital Ratio | 24.73% | 18.41% | +6.32% | 95th top |
| Leverage Ratio | 9.57% | 11.44% | -1.87% | 24th bottom |
| Equity / Assets | 9.20% | 11.34% | -2.14% | 26th below |
| TCE / Tangible Assets | 8.43% | 10.50% | -2.07% | 18th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 43.41% | 86.98% | -43.57% | 97th top |
| Core Deposit Ratio | 88.73% | 85.55% | +3.18% | 52nd above |
| Uninsured Deposit Ratio | 29.97% | 33.13% | -3.16% | 54th above |
| Wholesale Funding Ratio | 12.25% | 5.70% | +6.55% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.23% | 9.68% | -9.91% | 15th bottom |
| Loan Growth (Y/Y) | -1.66% | 8.06% | -9.72% | 11th bottom |
| Deposit Growth (Y/Y) | -2.13% | 7.88% | -10.01% | 11th bottom |
See American Heritage Bank's peers by name
The 927 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.