🏦Bank Scorer

AMERICAN HERITAGE BANK

CLOVIS, NM · Supervised by FDIC

Est. 2000FDIC #57,025RSSD: FDIC-57025
Part ofAHB BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.82%

Institution Profile

FDIC BankFind

Address

3300 N Prince St, CLOVIS, NM

County

Curry County

Established

December 5, 2000

Total Assets

$149M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$149M

Total Deposits

$134M

Net Loans

$74M

Net Income

$670K

ROA

1.82%

ROE

17.90%

Risk-Based Capital

18.75%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate15.81%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$121M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429170.1%15.81%
202321861.47%24.31%
202232968.39%18.54%
202145366%17.66%
202046558.92%24.73%
201944161%26.76%
201846059.57%26.30%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2003

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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