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Overview / Commentary
3300 N Prince St
Clovis, NM 88101

American Heritage Bank (NM) is headquartered in Clovis and is the 40th largest bank in the state of New Mexico. It is also the 5,332nd largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 20 employees at 2 locations. American Heritage Bank (NM) has a B health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. American Heritage Bank (NM) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 American Heritage Bank (NM) had $1.67 million in non-current loans and owned real-estate with $8.38 million in equity and loan loss allowances on hand to cover it. This gives American Heritage Bank (NM) a Texas Ratio of 19.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American Heritage Bank (NM) increased slightly from 13.75% as of December 31, 2012 to 19.88% as of December 31, 2013, resulting in a negative change of 44.62%. This indicates that the balance sheet and financial strength for American Heritage Bank (NM) has declined slightly in recent periods.

Deposit Growth


In the past year, American Heritage Bank (NM) has increased its total deposits by $3.48 million, resulting in 5.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Heritage Bank (NM) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Heritage Bank (NM) has $75.69 million in assets with $8.38 million in equity, resulting in a capitalization level of 11.08%, which is excellent.

Institution Statistics

FDIC Certificate #57025
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$75.69 million
Loans$44.60 million
Deposits$67.10 million
Equity Capital$7.70 million
Loan Loss Allowance$683,000
Unbacked Noncurrent Loans$1.45 million
Real Estate Owned$219,000
Historic Data - December 2012
Assets$73.09 million
Equity Capital$7.58 million
Loan Loss Allowance$660,000
Unbacked Noncurrent Loans$1.45 million
Real Estate Owned$229,000
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets0.7%
Return on Equity6.69%
Interest Income$2.93 million

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American Heritage Bank (NM) Locations
American Heritage Bank3300 N Prince StClovis, NM 88101
Melrose Branch400 East Denby StreetMelrose, NM 88124