# AMERICAN HERITAGE BANK
CLOVIS, NM · FDIC certificate 57025 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $153.2M | |
| Deposits | $137.2M | |
| Loans and leases | $72.8M | |
| Total equity | $15.0M | |
| Loans / deposits | 52.11% (p22 of band) | 73.59% |
| Liquid assets / assets | 48.94% (p77 of band) | |
| Uninsured deposits / deposits | 26.17% (p72 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.09% (p41 of band) | 11.76% |
| Unrealized securities loss / equity | -19.77% (p23 of band) | -6.57% |
| AOCI / equity | -0.78% (p33 of band) | |
| ROA (annualized) | 1.85% (p82 of band) | 1.17% |
| Net interest margin | 4.75% (p84 of band) | 3.93% |
| Efficiency ratio | 48.18% (p11 of band) | |
| Noncurrent loans | 0.22% (p42 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 802.48% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 1.95% (p23 of band) | |
| Auto loans | $241,000 (0.33% of loans; DQ 15.77%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.1% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | uninsured deposits leaving | capital falling |
| 2022-03 | 1 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2023-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity, charge-offs p90 |  |
| 2025-03 | 0 |  | securities losses >30% of equity, charge-offs p90 |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-10-06 [Colten L. Grau Honored for Continued Excellence in Community Leadership and Community Banking - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQdWJRS3FqRW90R2VnRU1JZzZDT21qOHp6Q0xEajczUHVXVklKZlliUDZZQ3oydk9aXzJKT1hfdG9tUFA5MzlPRWhvWGxmVFJ4RzhLN3dCYzlqS3NzR3lvbGNtWHhmS1JLamhtNWxXdmVabkFIZ1k3NTdnX2lDTVpkelNWcXI4dVpJVFJHSWZpWGwtY0k4aEJ4d3IyYllPU0c5Q1pfeDlrUndMQ0ZOU1luUnY2amE5cHhZUVRlTlFwX1J4dDl2RWg3RlpiVDN0WE9qbHhwaHNrZnlBSmxJYU1R?oc=5) · 24-7 Press Release Newswire
- 2025-06-30 [Colten Grau honored as 40 Under 40 - yournewsnm.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE4xNFd4NDRTQjVzeDFjUkc1YzRkTExhMjlxdy02NWJtYm85czd1V1JRc3FZaTRWOFdZVTYyVHZId0FzaTNuWlhrbWh5M2hUVVo2OXh4R3U1UG1MWDkycVphMzBqODFMSllEMnVjN3VOb2ZOVGl1emZHZg?oc=5) · yournewsnm.com
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2009-11-04 [Mark Allen Stowe (Lubbock) Obituary Nov 4, 2009 - Kornerstone Funeral Directors](https://news.google.com/rss/articles/CBMiY0FVX3lxTE03dV9yaXN5OVdZc2lPR1phclBadW5kTElhX0k3d21wYjhGaUhITlFNVm5MY01iMEQyVFR3N0l5WExmRHVSVjlXc2V0ZDhtSkRLQ05TdmlXakx5YnAyVGdBVUIybw?oc=5) · Kornerstone Funeral Directors
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2022-03-29 [Wilma Smith Obituary (1934 - 2022) - Portales, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPYkw4dGphS1NnaXlqTnBIcjg2Z2F4Vm1ZRFdFaERKOFZRUXI1OGx0OWczcUJsNU5rR3lZNFREMlBKakFwc2IzRHFUQUVlNUNOdFNiRHpDMHZtTkh1NmFTWDFHSTFldTRqaHd4NWZfejZ4LU92dGZuSW55VUFZNFlRcXhpbzhKVG5TYWNzZGdwR0ZHWk51ZXR3Znh2SQ?oc=5) · legacy.com
- 2024-06-19 [Lynell Widner Obituary (1951 - 2024) - Clovis, NM - Eastern New Mexico News - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxNeDkwbXk5aWRVQUNUZ21RMk9lNmlBT20tM1VaR1VsR1hkNnJRNFhDTHlBVmItNGZCVkJGZnpZY0lWZDV6d0I1YkJJd0UzVmd4Q2ZyaENxTzRtdS1abHctS1BOZE9sa1pJQjNZekdJdTllaEJoYnhYWlRiMnl5T2VHUFc5RVRUN3FQZXpIRGwzdlpCNmhnbzJXZERpcFBVUQ?oc=5) · legacy.com
- 2003-11-22 [Jeffery Wagley Obituary (2003) - Tucumcari, NM - Quay County Sun - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxORHRlczFUV2pDa3AxRGZmTUxqRHlfR0F2NjY5ZjB3VmZGZmRiSWV1VHliXy05NHlhcWFsa1dyODlTeHIyMU5KcDIwMWw4ZWh6c3BFX19YcEctRXVqa21wRmV5TjY3dE1wRnh5M0JQNHRXSVlUWkQzU0djNTJ6MFNlTWNLNmV0VDB2VXlyYzV4allXUW8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57025 (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/1.json (key "57025", 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