American Heritage Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores American Heritage Bank (FDIC Cert #4190) at 74/100 for bank stress — a elevated level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs American Heritage Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. DLRadar does not model American Heritage Bank in isolation: the 108-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 7 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. American Heritage Bank is held under American Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. American Heritage Bank runs a compact, single-state real-estate lending footprint — 7 U.S. counties across 1 state, spanning 108 ZIP codes. Its heaviest exposure sits in Oklahoma (7 counties). The American Heritage Bank score updates as fresh FDIC call reports post each quarter, so its 74/100 reading and 7-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, American Heritage Bank is directly comparable to any lender in the country. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. At the county level, American Heritage Bank finances markets like Tulsa County, OK, Osage County, OK, Creek County, OK, Payne County, OK — the specific places where its credit posture translates into local lending capacity. A elevated score on a footprint this size means the markets American Heritage Bank touches inherit a corresponding share of that lending pressure.

The acquisition angle is simple — lending capacity is what moves deals. As American Heritage Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.