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American Heritage Bank
Clovis, NM · FDIC Certificate #57025 · Chartered 12/0
Total assets
$153.23M
Total deposits
$137.16M
Total equity
$15.00M
Net loans
$71.47M
Branches (offices)
2
Net income (YTD)
$1.38M
Rank: #3,283 of 4,213 U.S. banks by assets · #26 of 29 in New Mexico. Assets changed 12.5% and deposits 13.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 18.42% |
| Net interest margin (YTD) | 4.75% |
| Equity to assets | 9.79% |
| Tier 1 leverage ratio | 11.09% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 0.22% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 52.1% |
| Real estate loans (share of loans) | 47.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.99M | 47.6% | |
| Commercial & industrial | $13.76M | 19.2% | |
| Consumer / individual | $477.00K | 0.7% | |
| Construction & development | $293.00K | 0.4% | |
| Agricultural | $24.54M | 34.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $126.96M | $117.51M | $687.00K | $8.74M |
| Jun 2023 | $124.03M | $108.64M | $1.15M | $9.56M |
| Jun 2024 | $128.50M | $111.67M | $1.34M | $11.88M |
| Jun 2025 | $136.25M | $121.30M | $1.25M | $13.91M |
| Jun 2026 | $153.23M | $137.16M | $1.38M | $15.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New Mexico | $137.16M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $137.16M.
Similar-sized banks
Bay Port State Bank ($153.37M) · Citizens State Bank, Of Arlington ($153.20M)
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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