Headquartered in Clovis, New Mexico, American Heritage Bank is a state-chartered bank with $153.2M in total assets and $137.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2000.
American Heritage Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in New Mexico, it ranks 5th. Problem-loan coverage contributes the most (98/100, 1.0%); capital cushion contributes the least (61/100, 11.09%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 21 points (62 → 83), mostly because the loan quality component improved by 86 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 84 |
| Q4 2024 | 86 |
| Q1 2025 | 84 |
| Q2 2025 | 62 |
| Q3 2025 | 85 |
| Q4 2025 | 87 |
| Q1 2026 | 83 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.09% |
| Q3 2024 | 12.17% |
| Q4 2024 | 12.17% |
| Q1 2025 | 11.35% |
| Q2 2025 | 11.89% |
| Q3 2025 | 12.35% |
| Q4 2025 | 12.37% |
| Q1 2026 | 10.96% |
| Q2 2026 | 11.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.24% |
| Q2 2025 | 2.79% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.09% |
| Q3 2024 | 2.05% |
| Q4 2024 | 1.83% |
| Q1 2025 | 1.83% |
| Q2 2025 | 1.85% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.84% |
| Q1 2026 | 1.82% |
| Q2 2026 | 1.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $153.2M | 11.09% | 0.22% | 1.85% | 52.1% |
| Q1 2026 | 83 | $149.0M | 10.96% | 0.23% | 1.82% | 55.3% |
| Q4 2025 | 87 | $145.8M | 12.37% | 0.27% | 1.84% | 60.2% |
| Q3 2025 | 85 | $138.2M | 12.35% | 0.47% | 1.85% | 62.6% |
| Q2 2025 | 62 | $136.2M | 11.89% | 2.79% | 1.85% | 62.3% |
| Q1 2025 | 84 | $136.3M | 11.35% | 0.24% | 1.83% | 65.5% |
| Q4 2024 | 86 | $133.3M | 12.17% | 0.31% | 1.83% | 63.6% |
| Q3 2024 | 84 | $128.8M | 12.17% | 0.57% | 2.05% | 65.9% |
| Q2 2024 | 84 | $128.5M | 12.09% | 0.56% | 2.09% | 69.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First New Mexico Bank of Silver CityBank Silver City, NM | 95 out of 100, Very strong | $147.5M | 14.3% | 0.16% | vs |
| First New Mexico Bank, Las CrucesBank Las Cruces, NM | 68 out of 100, Moderate | $171.9M | 13.1% | 2.31% | vs |
| Bank of the SouthwestBank Roswell, NM | 64 out of 100, Moderate | $176.3M | 9.4% | 0.73% | vs |
| First State BankBank Socorro, NM | 84 out of 100, Strong | $188.0M | 14.3% | 0.03% | vs |
| Main BankBank Albuquerque, NM | 82 out of 100, Strong | $245.2M | 11.5% | 0.00% | vs |
| First New Mexico BankBank Deming, NM | 91 out of 100, Very strong | $275.1M | 14.7% | 0.16% | vs |
Deposit insurance
Is my money safe at American Heritage Bank?
Yes. American Heritage Bank is an FDIC-insured institution (FDIC certificate #57025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.2% of deposits ($35.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.80% (benchmark: 10%).
2 locations
Branches
American Heritage Bank lists 2 offices in 2 cities. Most locations:
- Clovis, NM (1)
- Melrose, NM (1)
Identity & history
Profile
- Legal name
- American Heritage Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57025
- RSSD ID
- 2960555
- Primary regulator
- FDIC
- Holding company
- Ahb Bancshares Inc
- Established
- December 5, 2000
- Headquarters
- 3300 N Prince St, Clovis, NM 88101
- Website
- www.ahbnm.com
- Employees
- 19
Quick answers
American Heritage Bank: common questions
Is American Heritage Bank FDIC insured?
Yes. American Heritage Bank is an FDIC-insured institution (FDIC certificate #57025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Heritage Bank's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Heritage Bank ever failed?
There is no failure record for FDIC certificate #57025 in the FDIC failed bank list.
How many branches does American Heritage Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clovis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State BankBank Farwell, TX | 88 out of 100, Very strong | $338.0M | 14.6% | 0.03% | vs |
| Cannon Federal Credit UnionCredit union Clovis, NM | 87 out of 100, Very strong | $101.7M | 13.7% | 0.06% | vs |
| The Citizens Bank of ClovisBank Clovis, NM | 80 out of 100, Strong | $493.1M | 12.2% | 0.04% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| The Bank of ClovisBank Clovis, NM | 76 out of 100, Strong | $438.4M | 10.8% | 0.25% | vs |
| The James Polk Stone Community BankBank Portales, NM | 66 out of 100, Moderate | $443.8M | 10.0% | 1.41% | vs |