# AMERICAN HERITAGE BANK
SAPULPA, OK · FDIC certificate 4190 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.48B | |
| Deposits | $1.16B | |
| Loans and leases | $503.4M | |
| Total equity | $136.6M | |
| Loans / deposits | 42.76% (p4 of band) | 87.10% |
| Liquid assets / assets | 62.98% (p97 of band) | |
| Uninsured deposits / deposits | 29.97% (p47 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.25% (p72 of band) | |
| FHLB advances / assets | 1.68% | |
| Tier 1 leverage | 9.57% (p24 of band) | 10.50% |
| Unrealized securities loss / equity | -30.05% (p9 of band) | -7.75% |
| AOCI / equity | 2.30% (p99 of band) | |
| ROA (annualized) | 0.95% (p27 of band) | 1.26% |
| Net interest margin | 2.74% (p8 of band) | 3.70% |
| Efficiency ratio | 67.99% (p75 of band) | |
| Noncurrent loans | 0.21% (p24 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p58 of band) | |
| Reserve coverage of noncurrent | 712.02% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 12.28% (p12 of band) | |
| Auto loans | $6.7M (1.32% of loans; DQ 1.89%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 248 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 0 |  | uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-20 [American Heritage Bank (OK) Review - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTFFFTnU2SjhINHdKNEV4ZWJsajc0SUdTT0hnNnFfc0FDSEtLdDVGSDB6Wl9yZXl6cWVDclZpeXhyX2RyaUN3dEYxVl9hSmdSSmlvREkwcVVvUFI4TlN1OTVSYTdjT2VkUU5nNVZOaFczOWNVQzZXWlVGVV8xZ3ZZRmhoR1pyVnc?oc=5) · SmartAsset
- 2025-05-29 [Trailblazing Tulsa Men - City Lifestyle](https://news.google.com/rss/articles/CBMiaEFVX3lxTE13Rk1oVFY5VFFaM1gwTnI3MTliQTFidk9vYnpQSV83ZVlqSWZGM1I5Y0VlOTR6UV9BRTJ4cnBEbmtwelRiYVVYV1JsNmwxVENkeG43QVRTNl9KZUtadkl3ZEpob29UZFpt?oc=5) · City Lifestyle
- 2022-07-15 [American Heritage Bank to sponsor 2022 Highway 97 Rivalry footbal lgame - Sandite Pride News](https://news.google.com/rss/articles/CBMiekFVX3lxTE14SFNZWDNVTmVTcllmOGUwY1NLdndEbVRYbnFsOWFRd2RGVlhodnRCOHZuU3FQMFBLcE56LVdJd2NkbVBfYUtnWHdCSUJBSjE3SVI2dlFrdkRrQ0tZM2FreGJSVGF0ZVd0dFg4TzJ1Ykw1NVVwX0IzMUNn?oc=5) · Sandite Pride News
- 2014-10-15 [American Heritage buys FNB - Pawhuska Journal Capital](https://news.google.com/rss/articles/CBMiogFBVV95cUxQN2pWbm91UGFVakk4LUNKakFwSUJtQlhvUEdUT2ZuckZldEt4NExjMVhZMjdKTTZlNlhOb2ZfM3pqRjI0MTNxMDJ2Y1EzQ3pRNktIaGZubXVCei1SNlFIMmpwcDlaSmVaeHFhc0k1aDVPQ2lqM1Nkcm1yZ3k0dVRJSExRQVdaekV3RkhLSFFobjRfUDVnSjJpdHhUem9kQkFKOXc?oc=5) · Pawhuska Journal Capital
- 2015-09-11 [Osage Nation buys First National Bank building in Pawhuska - Osage News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPWU90d1VIZVJYaHRlaUVRRjhmODZGVTFHdGd6ZEdocjdCYVM3NVlZc0ZOekltcWFIbWZtblkxc3NaQUJXR0VaT05RWWYyVTkycG5XdHBNTkxMTVdHQTdpa015aHY3UlJLTkVrV2xwRFktb0FYa2txc3BuNTBKYzRNc010TEZFVm110gGIAUFVX3lxTE9ZT3R3VUhlUlhodGVpRVFGOGY4NkZVMUd0Z3pkR2hyN0JhUzc1WVlzRk56SW1xYUhtZm1uWTFzc1pBQldHRVpPTlFZZjJVOTJwbld0cE1OTExNV0dBN2lrTXlodjdSUktORWtXbHBEWS1vQVhra3FzcG41MEpjNE1zTXRMRkVWbXU?oc=5) · Osage News
- 2025-06-12 [Longtime Oklahoma banker, F&M Chairman Emeritus Johnny Anderson dies at 97 - Guthrie News Page](https://news.google.com/rss/articles/CBMiowFBVV95cUxOYVpVdDduR3EwYk1VN1pVWHF2cXNVMkp3WDhqb1VDdzZOZzlobEc2S0Zva1BmRldLMDhIZldJbHIyQ2xsd2kxWkwxZTB1dHNEd1RKNEZpa3RhSEZKNDVVN09lbXoySUswc1dXMGpwTGNna0hCUDM1WDNjMVRZZ0xIQTI2Vkw2OWpFcHFZNWJ4bXRLSHNmdFlVc1N5R1pURTA1R0tR?oc=5) · Guthrie News Page
- 2025-09-26 [Donna Creason Obituary Sep 26, 2025 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5tdE1BUGJub29TVmhlSHRJZUtYcHRCckpOaVRkUHY3dktSMXFoNFJFSV8xQkZ4VUpLRVBvdkhJNGNTY2xoTHJHemJGZTl2S0VqYS13MzNwdFpyYTFQZktXWHhrbHFJVnBZanZJVk5BRQ?oc=5) · schaudtfuneralservice.com
- 2017-01-20 [New video surveillance shows Tulsa woman robbing Mannford bank - KTUL](https://news.google.com/rss/articles/CBMilAFBVV95cUxPSUV4d1VBaG9DdEd6VXpVZzM3MXY5U21vZWtRdUkxSUpkQnJfcVN5dmxiWFJxdVZ1b21VOW5TRjNUNlEtRlo4dVdsZWRKb3o5eFFfRWxHOHV0LXBNNHNZb0QyZzNVSnVGQ0RNQWl0NmszYTl2VDdicU9ZRDFKX1MtXzJSczN6S0JxVkFsdlVpakFWWF9v?oc=5) · KTUL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4190 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "4190", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide