BlastPoint's Banking Scorecard
American Heritage Bank
Micro
Specialty: Agricultural
NM
FDIC cert 57025
Designations: ✓ Community bank
Clovis, NM
2498
banks in Micro tier nationally
18 in NM
View Micro leaderboard (NM) →
American Heritage Bank shows strong momentum with 3 strengths and 9.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.20% above tier
- + Efficiency Ratio 19.04% below tier
- + Non-Interest-Bearing Deposit Share 17.57% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$145.8M
+9.4% YoY
+5.5% QoQ
|
-$71.7M |
$217.5M
+2.3% YoY
|
$560.1M
+4.5% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$77.6M
+2.3% YoY
+1.5% QoQ
|
-$61.5M |
$139.2M
+2.8% YoY
|
$307.5M
+8.1% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$129.1M
+8.1% YoY
+5.6% QoQ
|
-$54.6M |
$183.7M
+1.8% YoY
|
$485.5M
+2.6% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.84%
+0.8% YoY
-0.4% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.87%
+5.4% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
5.06%
-6.0% YoY
-0.9% QoQ
|
+1.20% |
3.85%
+6.6% YoY
|
4.44%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
48.69%
+4.5% YoY
+0.5% QoQ
|
-19.04% |
67.73%
-4.8% YoY
|
55.28%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.27%
-13.4% YoY
-43.9% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
1.05%
-2.1% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
60.17%
-5.3% YoY
-3.9% QoQ
|
-14.36% |
74.53%
+0.5% YoY
|
61.85%
+3.5% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
39.97%
+8.3% YoY
+4.7% QoQ
|
+17.57% |
22.39%
-1.3% YoY
|
33.09%
-1.5% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-19.0% YoY
-46.1% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.60%
-0.3% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
18.57%
+9.2% YoY
+2.2% QoQ
|
+9.72% |
8.85%
-3.4% YoY
|
12.47%
-0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.39%
-8.9% YoY
+27.2% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.98%
+2.0% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.06%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.69%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
39.97%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.97% · Tier avg: 22.39%
91
91th pctile
Efficiency Ratio
Current: 48.69% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.57% · Tier avg: 8.85%
76
76th pctile
Loan-to-Deposit Ratio
Current: 60.17% · Tier avg: 74.53%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
39
39th pctile
Total Deposits
Current: $129.1M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $145.8M · Tier avg: $217.5M
33
33th pctile
Total Loans
Current: $77.6M · Tier avg: $139.2M
Top Weaknesses
33
33th pctile
Total Loans
Current: $77.6M · Tier avg: $139.2M
36
36th pctile
Total Assets
Current: $145.8M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $129.1M · Tier avg: $183.7M
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
76
76th pctile
Loan-to-Deposit Ratio
Current: 60.17% · Tier avg: 74.53%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.57% · Tier avg: 8.85%
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
91
91th pctile
Efficiency Ratio
Current: 48.69% · Tier avg: 67.73%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 39.97% · Tier avg: 22.39%