American Heritage Bank


2 S Main St
Sapulpa, OK 74066
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage 9.42% 4.91% →
15-Year Mortgage 9.00% 4.39% →
HELOC 6.25% 0.99% →

2024 Overview

General Bank Information

American Heritage Bank is an FDIC insured institution located in Sapulpa, OK. It was founded in 1905 and has approximately $1.48 billion in assets. Customers can open an account at one of its 24 branches.

FDIC Insured Yes
FDIC Certificate # 4190
Date Established 1905
Assets $ 1,479.87 million
Loans $ 485.82 million
Deposits $ 1,223.76 million
Capital $ 120.29 million

For a more detailed analysis of American Heritage Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 21, 2024

Your Current Location: Virginia, VA 20146

Loan Rates - June 21, 2024

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


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Climate Policy and Initiatives

American Heritage Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

American Heritage Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Heritage Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
American Heritage Bank U.S. Bank Average
0.34% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, American Heritage Bank had $432,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $120,286,000 in equity and $7,188,000 in loans loss reserves. That gives it a Texas Ratio of 0.34%.

Return on Equity
American Heritage Bank U.S. Bank Average
11.04% 12.20%

American Heritage Bank has a Return on Equity of 11.04% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

American Heritage Bank U.S. Bank Average
8.13% 10.76%

American Heritage Bank has a Capitalization of 8.13% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

American Heritage Bank Balance Sheet Analysis

As of December 31, 2023, American Heritage Bank had assets of $1,479,870,000, loans of $485,822,000, and deposits of $1,223,758,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
Cash & Balances due from depository institutions $ 212.98 million
Interest-bearing balances $ 200.39 million
Total securities $ 726.12 million
Federal funds sold and reverse repurchase $ 0.36 million
Net loans and leases $ 485.82 million
Loan loss allowance $ 7.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 13.01 million
All other assets $ 20.74 million
     Total Assets $ 1,359.58 million
Total deposits $ 1,223.76 million
      Interest-bearing deposits $ 900.73 million
      Deposits held in domestic offices $ 1,223.76 million
      % insured (estimated) 67.21%
Federal funds purchased and repurchase agreements $ 104.02 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 6.23 million
      Total Liabilities $ 1,359.58 million
      Shareholders’ Equity $ 120.29 million

Summary Income Statement

December 31, 2024
Total Interest Income $ 51.73 million
Total Interest Expense $ 15.94 million
Net interest income $ 35.79 million
Provision for loan and lease losses $ 0.37 million
Total non interest income $ 9.37 million
Total non interest expense $ 31.97 million
Pre-tax Net Operating Income $ 8.37 million

Bank Loan Profile?

The top three loan types in American Heritage Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Oklahoma, American Heritage Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.54
Credit Card Loans 0.20
Consumer Auto Loans 2.63
Small Business Loans 13.25
Construction and Development Loans 3.42
Commercial Real Estate 33.41
Commercial and Industrial Loans 14.80
Farm Loans 0.45

Customer Reviews for American Heritage Bank

  • August 25, 2022

    My family and I have used American Heritage Bank for years, I have had auto loans with them always paid them off, I have one right now, however during this pandemic I got behind a little I got caught up, but it didn't do any good to be caught up when my truck in front of my house was side swiped, the insurance company came took my truck to evaluate it informed me that they were totalling it, sent the check to American heritage bank cause I had a loan with them on it and apparently i didn't have a right to the truck or the settlement check, I called the bank loan officer Cristy Owens who wouldnt even give the insurance company $300 back so I could get my truck back which I was driving when they took it, but she wouldn't even release the truck til I got a hold of someone else at the bank, then the bank president Josh Robinson informed me he was now my loan officer, I asked him if I could renew and get some money back so I could get my truck so I could make it to work and I still have not received a reply, so here I am sitting in the dark with no truck and no way to work cause my truck was side swiped and the bank I have done business with for years want help or answer my emails or calls. So a work of advice use a different bank and don't leave your vehicle in front of your house.

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