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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 5,277th largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 20 employees at 2 locations. American Heritage Bank (NM) has a B+ health rating.

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Data for Q1 2014

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 capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Heritage Bank (NM) had $1.55 million in non-current loans and owned real-estate with $8.25 million in equity and loan loss allowances on hand to cover it. This gives American Heritage Bank (NM) a Texas Ratio of 18.73% 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) decreased slightly from 24.65% as of March 31, 2013 to 18.73% as of March 31, 2014, resulting in a positive change of 24.00%.This indicates that the balance sheet and financial strength for American Heritage Bank (NM) has improved slightly in recent periods.

Deposit Growth


In the past year, American Heritage Bank (NM) has increased its total deposits by $7.36 million, resulting in 11.88% 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 $77.16 million in assets with $8.25 million in equity, resulting in a capitalization level of 10.70%, which is above average.

Institution Statistics

FDIC Certificate #57025
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$77.16 million
Loans$46.68 million
Deposits$69.33 million
Equity Capital$7.57 million
Loan Loss Allowance$682,000
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$200,000
Historic Data - March 2013
Assets$70.48 million
Equity Capital$7.62 million
Loan Loss Allowance$682,000
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$225,000
Profit Margin - Quarterly
Net Interest Margin3.97%
Return on Assets0.82%
Return on Equity8.17%
Interest Income$755,000

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