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 dropped 36.89 percentage points in Q2 2026, from 247.62% to 210.73%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, American Heritage Bank is 130th of 169 on return on assets, 0.95% as of Q2 2026, below the middle of the field. American Heritage Bank reported 0.95% on return on assets for Q2 2026, 0.32 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.48% |
| Tier 1 risk-based capital ratio | 23.48% |
| Total risk-based capital ratio | 24.73% |
| Tier 1 leverage ratio | 9.57% |
| Equity capital to assets | 9.20% |
| Tangible equity to tangible assets | 8.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 2.73% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 210.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 10.59% |
| Net interest margin | 2.86% |
| Efficiency ratio | 64.70% |
| Yield on earning assets | 4.34% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.41% |
| Core deposits to total deposits | 88.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.14% |
| Securities to assets | 53.08% |
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 | 22.80% | 22.80% | 24.05% | 9.03% | 0.74% |
| Q4 2023 | 22.97% | 22.97% | 24.22% | 9.16% | 0.63% |
| Q1 2024 | 23.68% | 23.68% | 24.93% | 9.16% | 0.64% |
| Q2 2024 | 23.93% | 23.93% | 25.18% | 9.12% | 0.87% |
| Q3 2024 | 23.60% | 23.60% | 24.85% | 9.39% | 0.84% |
| Q4 2024 | 23.61% | 23.61% | 24.86% | 9.44% | 0.75% |
| Q1 2025 | 23.87% | 23.87% | 25.11% | 9.32% | 0.79% |
| Q2 2025 | 23.65% | 23.65% | 24.89% | 9.43% | 0.97% |
| Q3 2025 | 23.92% | 23.92% | 25.16% | 9.82% | 1.02% |
| Q4 2025 | 23.24% | 23.24% | 24.49% | 9.71% | 1.01% |
| Q1 2026 | 23.52% | 23.52% | 24.77% | 9.56% | 0.91% |
| Q2 2026 | 23.48% | 23.48% | 24.73% | 9.57% | 0.95% |
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 4190) · FFIEC NIC profile (RSSD 311050)