Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

AMERICAN HERITAGE BANK

FDIC #4190 · OK · period 20260630

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Total assets1,078,877-3.73% YoY

Total deposits866,589-3.10% YoY

Net loans and leases394,297-2.91% YoY

Return on assets0.86%-11.26% YoY

Return on equity9.22%-13.51% YoY

Net interest margin2.85%-1.17% YoY

Peer position

Return on assets27thopportunity · n=902

Return on equity37thin line · n=894

Net interest margin8thopportunity · n=902

Equity to assets26thopportunity · n=894

Noncurrent loans77thstrength · n=887

Liquid assets98thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits97thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,078,877	866,589	394,297	0.86	9.22	2.85
2016-06-30	1,074,813	857,201	396,480	0.94	9.94	2.86
2016-09-30	1,064,132	852,281	396,126	0.98	10.31	2.87
2016-12-31	1,072,614	883,589	398,121	0.97	10.22	2.88
2017-03-31	1,120,654	894,322	406,133	0.97	10.66	2.89
2017-06-30	1,114,460	889,871	417,496	1.04	11.28	2.89
2017-09-30	1,102,949	897,795	414,191	1.06	11.23	2.92
2017-12-31	1,091,860	881,929	414,249	1.01	10.70	2.94
2018-03-31	1,116,942	878,559	414,272	1.04	10.91	2.96
2018-06-30	1,106,416	871,120	433,860	1.15	12.09	2.99
2018-09-30	1,090,846	866,628	436,437	1.15	12.05	2.99
2018-12-31	1,114,275	893,271	449,042	1.09	11.71	2.99
2019-03-31	1,152,825	902,581	473,710	1.07	12.36	2.96
2019-06-30	1,154,478	909,744	460,175	1.10	12.39	3.00
2019-09-30	1,123,976	895,579	459,458	1.09	12.00	3.03
2019-12-31	1,149,364	925,893	463,137	1.04	11.35	3.03
2020-03-31	1,205,993	940,661	468,933	1.17	12.29	2.97
2020-06-30	1,306,957	1,016,193	488,712	1.23	12.88	2.98
2020-09-30	1,424,162	1,140,324	553,516	1.14	11.21	3.19
2020-12-31	1,469,216	1,185,046	526,973	1.02	10.02	3.04
2021-03-31	1,506,503	1,203,108	526,038	1.26	13.13	2.57
2021-06-30	1,524,029	1,221,702	516,583	1.11	11.63	2.52
2021-09-30	1,520,184	1,243,387	501,320	1.05	11.01	2.52
2021-12-31	1,540,360	1,278,911	497,457	0.92	9.78	2.51
2022-03-31	1,563,570	1,287,247	496,106	0.95	11.33	2.48
2022-06-30	1,516,453	1,260,451	504,341	1.05	13.34	2.55
2022-09-30	1,468,231	1,238,627	494,589	1.09	14.30	2.62
2022-12-31	1,455,553	1,239,461	492,349	0.99	13.08	2.64
2023-03-31	1,513,010	1,236,868	494,732	0.99	13.41	2.73
2023-06-30	1,516,223	1,232,389	492,355	0.97	13.11	2.68
2023-09-30	1,467,884	1,221,503	485,104	0.90	12.15	2.59
2023-12-31	1,479,870	1,223,758	485,822	0.84	11.04	2.53
2024-03-31	1,513,840	1,212,655	484,047	0.64	7.96	2.32
2024-06-30	1,506,097	1,204,457	480,833	0.76	9.40	2.33
2024-09-30	1,478,145	1,190,451	488,050	0.79	9.57	2.36
2024-12-31	1,496,664	1,210,990	492,449	0.78	9.42	2.39
2025-03-31	1,530,372	1,203,808	495,211	0.80	9.65	2.51
2025-06-30	1,487,701	1,184,882	504,608	0.90	10.76	2.62
2025-09-30	1,443,794	1,150,940	502,286	0.94	11.04	2.68
2025-12-31	1,443,414	1,163,846	498,282	0.96	11.10	2.70
2026-03-31	1,494,982	1,166,890	495,294	0.92	10.26	2.69
2026-06-30	1,484,205	1,159,703	495,937	0.95	10.43	2.74

Structure and branch footprint

24 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-09-19	1	278153	311050
2015-03-11	1	515250	311050
2013-01-01	1	1005459	311050
2012-12-01	1	80776	311050
2002-04-13	1	1007556	311050
2001-03-03	1	298955	311050
1993-11-09	1	429450	311050
1991-11-23	1	986355	311050
1990-05-26	50	544278	311050
1987-03-06	50	430755	311050

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.