FDIC Cert #57025 · Clovis, New Mexico · Est. 2000

American Heritage Bank - FDIC Bank Health Profile

A community-scale look at American Heritage Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$146M
Total assets
A
Health grade · Excellent
1.84%
Return on assets
18.6%
Tier 1 capital

Data updated July 2026

The verdict

American Heritage Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 18.57% Tier 1, profitable at 1.84% ROA, efficient (49% cost ratio).

#3,387
largest of 4,313 FDIC banks by assets
21st
percentile by asset size, nationally
18.57%
Tier 1 ratio - above the 10% well-capitalized line
87th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 57025 · NM A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #127/4307
  • PHOTO-FINISH Douglas National Bank · GA
  • TIER1-WELL 18.6% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-STRONG 1.84% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Mexico: Douglas National Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around American Heritage Bank

Lowest and highest poles plus nearest scored peers outside New Mexico, not a full FDIC corpus board reprint.

American Heritage Bank · NM …100/100Bank of Grand Lake · OK · ne…100/100Douglas National Bank · GA ·…100/100Morgan Stanley Bank,… · UT ·…100/100Optum Bank, Inc. · UT · near100/100Trinity Bank, N.A. · TX · ne…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around American Heritage Bank · July 2026

What American Heritage Bank's Call Report plate shows

American Heritage Bank (FDIC Cert #57025) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #127 of 4,307. Tier 1 capital prints at 18.57%, clearing the 10% well-capitalized line. The Texas Ratio is 1.24%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.84%. Balance-sheet scale is $146M, 3,387th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Douglas National Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around American Heritage Bank

3 FAILURE resolutions in New Mexico since 2000 (3 since 2008)

American Heritage Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; American Heritage Bank remains an active FDIC-insured reporter.

  • FIRST COMMUNITY BANK TAOS, NM 2011 → U.S. BANK, NATIONAL ASSOCIATION
  • HIGH DESERT STATE BANK ALBUQUERQUE, NM 2010 → FIRST AMERICAN BANK
  • CHARTER BANK SANTA FE, NM 2010 → CHARTER BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Mexico banks.

How American Heritage Bank's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
American Heritage Bank's composite health score
Tier 1 Capital Ratio (18.57%) 40/40
Return on Assets (ROA) (1.84%) 25/25
Texas Ratio (1.24%) 20/20
Efficiency Ratio (48.69%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$146M

Total balance-sheet footings

Total Deposits

$129M

Customer-funded liabilities

Net Loans

$78M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.17% 18.57% 19.97%
Basel III capital ratios - American Heritage Bank

Where American Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Heritage Bank's score of 100/100 falls in the highlighted band.

American Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 3% higher than 97% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. American Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

American Heritage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Heritage Bank's $146M falls in the highlighted band.

Safety ratios for American Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

18.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.57%
Texas Ratio
1.24%
Equity Capital
$16M

What these ratios mean →

Earnings posture at American Heritage Bank

Return on Assets (ROA)
87th percentile nationally
1.84%
Return on Equity (ROE)
18.03%
Efficiency Ratio
48.69%

What these mean →

Income & expense at American Heritage Bank

$8M
Interest Income
$565K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. American Heritage Bank reports a Texas Ratio of 1.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View American Heritage Bank on FDIC BankFind →

Top banks in New Mexico by total assets

Largest banks headquartered in New Mexico
  1. 1
    First American Bank $1.8B

    Artesia, NM · Grade A

  2. 2
    InBank $1.4B

    Raton, NM · Grade B

  3. 3
    Century Bank $1.3B

    Santa Fe, NM · Grade B

  4. 4
    Citizens Bank of Las Cruces $1.1B

    Las Cruces, NM · Grade A

  5. 5
    Pioneer Bank $1.1B

    Roswell, NM · Grade A

Top 5 banks in New Mexico ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($146M here), outside New Mexico so the neighborhood is not state containment.

Bank of Crocker $146M · MO The Bank of Protection $146M · KS The Twin Valley Bank $146M · OH Hyden Citizens Bank $146M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Heritage Bank (FDIC Cert #57025) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

American Heritage Bank Call Report profile · FDIC Failed Bank List · New Mexico FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Mexico

All New Mexico banks →
BankAssetsGradeROA
First American BankArtesia $1.8B A 2.74%
InBankRaton $1.4B B 0.55%
Century BankSanta Fe $1.3B B 0.62%
Citizens Bank of Las CrucesLas Cruces $1.1B A 2.25%
Pioneer BankRoswell $1.1B A 2.19%
CNB BankCarlsbad $989M B 2.16%
Western Commerce BankCarlsbad $867M A 3.17%
The Citizens BankFarmington $774M A 2.07%