American Heritage Bank: how it compares with its peers
Against 8 NM banks with half to twice its assets, American Heritage Bank's strongest measure in Q2 2026 is efficiency ratio (48.18% vs. a 54.76% peer median). Its weakest relative measure is return on assets (1.85% vs. 1.87%).
| Measure | American Heritage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.85% | 1.87% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.75% | 4.65% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.18% | 54.76% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.8M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.11% | 59.31% | Context |
What it means for lending operations
Its efficiency ratio of 48.18% is better than the 54.76% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First New Mexico Bank of Silver City Silver City, NM · $147M
- First New Mexico Bank, Las Cruces Las Cruces, NM · $172M
- Bank of the Southwest Roswell, NM · $176M
- First State Bank Socorro, NM · $188M
- Main Bank Albuquerque, NM · $245M
- First New Mexico Bank Deming, NM · $275M
Questions about American Heritage Bank
How big is American Heritage Bank?
American Heritage Bank, established in 2000, is headquartered in Clovis, NM. It reported $153M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is American Heritage Bank's return on assets?
1.85% annualized in Q2 2026, against a 1.87% median for 8 NM banks with half to twice its assets, ahead of 50% of them.
What is American Heritage Bank's efficiency ratio?
48.18% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 54.76%, and lower is better.
Is American Heritage Bank growing its loans?
Net loans shrank 5.5% over the year to Q2 2026, while deposits grew 13.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NM banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New Mexico bank ranked.