American Heritage Bank (FDIC #4190): Bank Stress & Real-Estate Credit Exposure

American Heritage Bank (FDIC Cert #4190): bank stress 74/100, elevated, STABLE over 7 days; parent AMERICAN BCORP INC.

American Heritage Bank (#4190) lends in 7 counties across 1 state; American Heritage Bank (#4190) reaches 108 ZIP codes: Oklahoma 7 counties, 108 ZIPs.

American Heritage Bank (#4190) largest markets: Tulsa County, OK (301 branches, 43 ZIPs) (#4190), Osage County, OK (44 branches, 22 ZIPs) (#4190), Creek County, OK (189 branches, 21 ZIPs) (#4190), Payne County, OK (15 branches, 15 ZIPs) (#4190), Pawnee County, OK (36 branches, 12 ZIPs) (#4190), Washington County, OK (12 branches, 12 ZIPs) (#4190).

American Heritage Bank (#4190) reports $1.48 billion in total assets; American Heritage Bank (#4190) equity $136.6 million (9.2% of American Heritage Bank (#4190) assets); American Heritage Bank (#4190) domestic deposits $1.16 billion; American Heritage Bank (#4190) net income $7.0 million; American Heritage Bank (#4190) return on assets 0.95%; American Heritage Bank (#4190) return on equity 10.43%; American Heritage Bank (#4190) net interest income $19.3 million; American Heritage Bank (#4190) call report June 30, 2026.

American Heritage Bank (#4190) noncurrent real-estate loans 0.02% of its book; American Heritage Bank (#4190) net charge-offs on real estate 0.26%.

American Heritage Bank (#4190) net interest margin 2.74% against an eight-quarter American Heritage Bank (#4190) average of 2.59% (American Heritage Bank (#4190) compression -0.15 points); American Heritage Bank (#4190) real-estate loans 2.1% of equity; American Heritage Bank (#4190) rate-exposure score 40/100, American Heritage Bank (#4190) fixed-rate trap 40/100; American Heritage Bank (#4190) risk type credit driven; American Heritage Bank (#4190) rate regime rates elevated, American Heritage Bank (#4190) snapshot October 19, 2026.

American Heritage Bank (#4190) stress score moved from 74.2 on June 22, 2026 to 74.4 on October 20, 2026; American Heritage Bank (#4190) ranged 74.2 to 74.4 over 117 snapshots.

American Heritage Bank (#4190) alerts: 7 counties; top American Heritage Bank (#4190) alert scores: Cleveland County, OK 43 (moderate); Tulsa County, OK 40 (moderate); Bartlesville County, OK 24 (low); Beggs County, OK 24 (low); Pawhuska County, OK 24 (low).