What is American Heritage Bank's financial health grade?

American Heritage Bank has a TFS Financial Health Grade of D (score: 64.3/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does American Heritage Bank have?

American Heritage Bank has 24 branch locations across the United States.

Is American Heritage Bank FDIC insured?

Yes, American Heritage Bank is FDIC insured (Certificate #4190).

What are the total assets of American Heritage Bank?

American Heritage Bank has total assets of $1.4B as reported in its most recent FDIC filing.

American Heritage Bank

BankSapulpa, Oklahoma

http://www.ahb.bank

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

Established

1905

TFS Health Grade

64.3 / 100

Below average financial health

How we grade

American Heritage Bank is a bank headquartered in Sapulpa, Oklahoma, established in 1905. With $1.4B in total assets and 24 branch locations, it has a TFS Financial Health Grade of D (64.3/100).

Capital & Safety

Tier 1 Capital Ratio

9.71%(8%)

Total Capital Ratio

24.49%(10%)

Non-Performing Loan Ratio

0.12%

Profitability

Return on Assets (ROA)

0.96%(1%)

Return on Equity (ROE)

11.10%(10%)

Net Interest Margin

2.70%

Efficiency Ratio

68.03%(60%)

Lending & Liquidity

Total Loans

$505.7M

Loan-to-Deposit Ratio

42.81%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

-3.56%

Deposit Growth (YoY)

-3.89%

Net Income

$14.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
American Heritage BankHQ	2 S Main St	Sapulpa	OK	11
American Heritage Bank	400 West Main Street	Barnsdall	OK	11
American Heritage Bank	3309 E Frank Phillips Blvd	Bartlesville	OK	11
American Heritage Bank	301 North Choctaw	Beggs	OK	11
American Heritage Bank	318 S Broadway St	Cleveland	OK	23
American Heritage Bank	100 N Broadway St	Cleveland	OK	11
American Heritage Bank	100 N Broadway St	Cleveland	OK	23
American Heritage Bank	12120 S Vancouver Ave	Glenpool	OK	11
American Heritage Bank	113 W Allen St	Kellyville	OK	11
American Heritage Bank	501 E Indiana	Kiefer	OK	11
American Heritage Bank	30021 W Highway 51	Mannford	OK	23
American Heritage Bank	408 E. Cimarron	Mannford	OK	11
American Heritage Bank	1303 Commercial Ave	Mounds	OK	11
American Heritage Bank	239 E Main St	Pawhuska	OK	11
American Heritage Bank	220 S Adams Rd	Sand Springs	OK	11
American Heritage Bank	3801 S 113th West Ave	Sand Springs	OK	11
American Heritage Bank	620 S Mission St	Sapulpa	OK	23
American Heritage Bank	2 S Main St	Sapulpa	OK	23
American Heritage Bank	7042 S Union Ave	Tulsa	OK	11
American Heritage Bank	6136 W 41st St	Tulsa	OK	11
American Heritage Bank	5151 S 33rd West Ave	Tulsa	OK	23
American Heritage Bank	8120 S Yale Ave	Tulsa	OK	11
American Heritage Bank	445 S Lewis Ave	Tulsa	OK	11
American Heritage Bank	202 N Main St	Yale	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.