American Heritage Bank
Sapulpa, Oklahoma, Creek County
$1.5B in total assets, the 764th largest of 4,309 US banks and 16th of 171 headquartered in Oklahoma.
- FDIC certificate
- 4190
- Established
- 1905
- Owned by
- American Bcorp Inc
- Primary regulator
- FED
- Website
- www.ahb.bank
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.5B | 45% | $1.8B | |
| Loans | $503M | 2% | $1.4B | |
| Deposits | $1.2B | 30% | $1.2B | |
| Return on assets | 0.98% | 20% | 1.41% | |
| Net interest margin | 2.74% | 2% | 3.99% | |
| Efficiency ratio | 68.0% | 85% | 59.5% | |
| Equity to assets | 9.20% | 30% | 10.43% | |
| Loans to deposits | 43% | 2% | 95% |
Growth
Total assets grew -0.5% a year over the last 5 years and 3.3% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2020 | Peoples Bank Tulsa, OK, an affiliate under the same holding company | $107M |
| Mar 2015 | First National Bank in Pawhuska Pawhuska, OK | $29M |
| Jan 2013 | The Cleveland Bank Cleveland, OK | $68M |
| Dec 2012 | Osage Federal Bank Pawhuska, OK | $150M |
| Apr 2002 | First Bank of Cleveland Cleveland, OK | $25M |
| Mar 2001 | Heritage Bank Mannford, OK, an affiliate under the same holding company | $82M |
| Nov 1993 | Limestone National Bank Sand Springs, OK | $18M |
| Nov 1991 | American Bank Beggs, OK, an affiliate under the same holding company | $17M |
| May 1990 | Family Savings Bank, F.S.B. Sapulpa, OK | $49M |
| Mar 1987 | First National Bank of Sapulpa Sapulpa, OK | $7M |
Where they operate
24 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Creek County, OK | $537M | 42.7% | 1 of 8 |
| Tulsa County, OK | $261M | 0.8% | 25 of 52 |
| Osage County, OK | $159M | 25.4% | 1 of 8 |
| Pawnee County, OK | $95M | 36.4% | 1 of 4 |
| Payne County, OK | $44M | 2.0% | 11 of 16 |
| Okmulgee County, OK | $32M | 5.4% | 4 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (22 to 24, +9.1%). 2 opened, 2 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 22 | |||
| 2016 | Opened Mannford | 1 | 0 | +1 | 23 |
| 2019 | Opened TulsaClosed Sapulpa | 1 | 1 | 0 | 23 |
| 2020 | Acquired Peoples BankClosed Pawhuska | 2 | 1 | +1 | 24 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 39% | 18% | |
| Commercial real estate | 34% | 36% | |
| Business (C&I) | 9% | 17% | |
| Consumer | 4% | 5% | |
| Construction and land | 3% | 13% | |
| Multifamily | 2% | 3% | |
| Farmland | 1% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 7% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 46% | 51% | |
| Time deposits | 28% | 24% | |
| Noninterest-bearing | 27% | 25% |
Brokered deposits are 0.0% of deposits (peers 7.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.21% | 0.65% |
| Net charge-offs, annualized | 0.11% | 0.01% |
| Reserves to loans | 1.48% | 1.18% |
| Leverage ratio | 9.57% | 10.36% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Creek County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/american-heritage-bank-sapulpa-ok