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American Heritage Bank
Sapulpa, OK · FDIC Certificate #4190 · Chartered 06/1
Total assets
$1.48B
Total deposits
$1.16B
Total equity
$136.55M
Net loans
$495.94M
Branches (offices)
24
Net income (YTD)
$6.97M
Rank: #746 of 4,213 U.S. banks by assets · #16 of 168 in Oklahoma. Assets changed -0.2% and deposits -2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 10.43% |
| Net interest margin (YTD) | 2.74% |
| Equity to assets | 9.20% |
| Tier 1 leverage ratio | 9.57% |
| Uninsured deposits (share of deposits) | 30.0% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 42.8% |
| Real estate loans (share of loans) | 81.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $401.93M | 81.0% | |
| Commercial & industrial | $46.77M | 9.4% | |
| Consumer / individual | $20.46M | 4.1% | |
| Construction & development | $16.77M | 3.4% | |
| Agricultural | $1.19M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.52B | $1.26B | $8.11M | $104.15M |
| Jun 2023 | $1.52B | $1.23B | $7.28M | $113.48M |
| Jun 2024 | $1.51B | $1.20B | $5.71M | $122.26M |
| Jun 2025 | $1.49B | $1.18B | $6.74M | $123.59M |
| Jun 2026 | $1.48B | $1.16B | $6.97M | $136.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $1.16B | 24 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.16B.
Similar-sized banks
Pathfinder Bank ($1.49B) · United Bank ($1.48B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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