Bank Comparison
American Heritage Bank vs Pathfinder Bank
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At Q2 2026, Pathfinder Bank is the larger bank, with $1.49B in total assets to American Heritage Bank's $1.48B; American Heritage Bank has the higher CET1 ratio (23.48% vs 13.36%) and Pathfinder Bank has the higher return on assets (0.97% vs 0.95%).
vs
10 · 7
winning metrics across 17 scored rows
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Capital adequacy
| Metric | American Heritage Bank | Pathfinder Bank |
|---|---|---|
| CET1 Ratio | 23.48% | 13.36% |
| Tier 1 Capital Ratio | 23.48% | 13.36% |
| Total Capital Ratio | 24.73% | 14.62% |
| Tier 1 Leverage Ratio | 9.57% | 9.64% |
| Equity / Assets | 9.20% | 9.54% |
Profitability
| Metric | American Heritage Bank | Pathfinder Bank |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 0.97% |
| Return on Equity (ROE) | 10.59% | 10.02% |
| Net Interest Margin (NIM) | 2.86% | 3.33% |
| Yield on Earning Assets | 4.34% | 5.36% |
| Cost of Funds | 1.60% | 2.12% |
Asset quality
| Metric | American Heritage Bank | Pathfinder Bank |
|---|---|---|
| Texas Ratio | 0.83% | 26.42% |
| Non-Performing Loan Ratio | 0.21% | 4.69% |
| Non-Performing Asset Ratio | 0.07% | 2.83% |
| Net Charge-Off Ratio | 0.09% | 0.83% |
| ACL / Loans | 1.48% | 3.01% |
Balance sheet
| Metric | American Heritage Bank | Pathfinder Bank |
|---|---|---|
| Total Assets | $1.48B | $1.49B |
| Total Deposits | $1.16B | $1.18B |
| Total Loans | $503.4M | $894.7M |
| Total Equity | $136.6M | $141.7M |
| Net Income (quarter) | $3.6M | $3.5M |
Liquidity & funding
| Metric | American Heritage Bank | Pathfinder Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 43.41% | 75.70% |
| Core Deposit Ratio | 88.73% | 81.89% |
| Uninsured Deposit Ratio | 29.97% | 24.53% |
Identity
| Metric | American Heritage Bank | Pathfinder Bank |
|---|---|---|
| Headquarters City | Sapulpa | Oswego |
| Headquarters State | OK | NY |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FED | FDIC |
| Domestic Branches | 24 | 13 |
| Employees (FTE) | 248 | 180 |
| Established | June 15, 1905 | October 25, 2002 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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