BlastPoint's Banking Scorecard
American Heritage Bank
Community
Specialty: Other
OK
FDIC cert 4190
Sapulpa, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
American Heritage Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6% in Community
- + Loan-to-Deposit Ratio 40.25% below tier
- + Tier 1 Capital Ratio 12.99% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2% in Community
- - Credit Quality Pressure: Bottom 15% in Community
- - Deposit Outflow: Bottom 31% in Community
- - Net Interest Margin 0.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-3.6% YoY
-0.0% QoQ
|
+$52.0M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$498.3M
+1.2% YoY
-0.8% QoQ
|
-$477.2M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$1.2B
-3.9% YoY
+1.1% QoQ
|
-$761K |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.96%
+23.2% YoY
+1.7% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
2.70%
+13.1% YoY
+0.7% QoQ
|
-0.96% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
68.03%
-2.9% YoY
-0.4% QoQ
|
+5.40% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.12%
+98.3% YoY
-8.7% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
42.81%
+5.3% YoY
-1.9% QoQ
|
-40.25% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.72%
-0.3% YoY
-4.9% QoQ
|
+4.68% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.04%
+108.0% YoY
-9.4% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
23.24%
-1.6% YoY
-2.8% QoQ
|
+12.99% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.64%
-0.5% YoY
+33.5% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#22 of 371 · Top 6% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
42.81%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
23.24%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Credit Risk Growth
risk
#11 of 642 · Bottom 2% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#120 of 808 · Bottom 15% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#77 of 248 · Bottom 31% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 9%
in Community
Why this stands out
Current:
2.70%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 42.81% · Tier avg: 83.06%
97
97th pctile
Tier 1 Capital Ratio
Current: 23.24% · Tier avg: 10.24%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 21.05%
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
32
32th pctile
Efficiency Ratio
Current: 68.03% · Tier avg: 62.63%
31
31th pctile
Total Loans
Current: $498.3M · Tier avg: $975.5M
9
9th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.66%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.66%
31
31th pctile
Total Loans
Current: $498.3M · Tier avg: $975.5M
32
32th pctile
Efficiency Ratio
Current: 68.03% · Tier avg: 62.63%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 21.05%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
97
97th pctile
Tier 1 Capital Ratio
Current: 23.24% · Tier avg: 10.24%
98
98th pctile
Loan-to-Deposit Ratio
Current: 42.81% · Tier avg: 83.06%