Compared with Oklahoma
6 of 18
compared fees are above the median.
7 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
94th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 18 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for American Heritage Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | American Heritage Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.5% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (94th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $792K in Q2 2026, 1.2% below the same quarter a year earlier ($802K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 18 compared published fees sit above the Oklahoma median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Choice Checking $3 · Basic Checking $4 to $7 · American Gold Money Market $6
Compared at $4, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 6.4% from Q3 2025 to Q2 2026, to $792K. Its share of revenue, 6.5%, is above the 2.2% median for banks with $1B to $10B in assets.
$792K
American Heritage BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $7; we compare the midpoint.
American Heritage Bank · $1.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| American Heritage Bank(this institution) | Sapulpa, OK | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1st Summit Bank | Johnstown, PA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Riviera Bank | Santa Barbara, CA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Apex Bank | Camden, TN | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Armed Forces Bank, National Association | Fort Leavenworth, KS | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank Illinois | Geneseo, IL | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank | Elizabethton, TN | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank and Trust | Frostproof, FL | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elkhorn Valley Bank & Trust | Norfolk, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank Richmond | Richmond, IN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Federal Savings Bank of Twin Falls | Twin Falls, ID | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Pulaski | Pulaski, TN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greenfield Savings Bank | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marquette Savings Bank | Erie, PA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| North State Bank | Raleigh, NC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pathfinder Bank | Oswego, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank of Alabama | Cullman, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples State Bank | Wausau, WI | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Providence Bank | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rhinebeck Bank | Rhinebeck, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saco & Biddeford Savings Institution | Saco, ME | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Moody National Bank | Galveston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union County Savings Bank | Elizabeth, NJ | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Atmore, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Watertown Savings Bank | Watertown, MA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4, the middle of its four prices, against a peer median of $9 among 19 publishing peers.
Its four checking prices are $3, $4, $6 and $7.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.
Call reports for American Heritage Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $792K | −$1K | −0.1% |
| Q1 2026 | $793K | −$33K | −4.0% |
| Q4 2025 | $826K | −$20K | −2.4% |
| Q3 2025 | $846K | +$44K | +5.5% |
| Q2 2025 | $802K | −$18K | −2.2% |
| Q1 2025 | $820K | −$48K | −5.5% |
| Q4 2024 | $868K | −$59K | −6.4% |
| Q3 2024 | $927K | +$28K | +3.1% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, American Heritage Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to American Heritage Bank by share.
Amounts from American Heritage Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per month
per item
per item
per page
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Base Fee in Service Charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Base Fee in Service Charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Base Fee in Service Charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Base Fee in Service Charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Checkbook Balancing (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| eStatements included. Paper statements optional | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Withdrawals in excess of nine (9) per quarter | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Withdrawals in excess of two (2) per month | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid Overdraft Fee | $29.50Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned NSF Fee | $29.50Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Non-AHB ATM Locations | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks - Set of 4 | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay (Monthly Fees): Each Transaction Thereafter | $0.40Not compared: Per-item charge, not monthly | per item | None |
| Online Bill Pay (Monthly Fees): First 10 Transactions | $3Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee: Customer | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Cash Advance Fee: Domestic | $20Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary (Customers Only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishments | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Copies (per page) | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
| Fax (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where American Heritage Bank operates, and what regulators and customers have on file.
Branch footprint
24 offices in 1 state, $1.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 22 | $1.1B | |
| Outside a metro area | 2 | $74.6M |
Tulsa, OK
2.8% of bank deposits, #12 of 59, down 0.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| BOKF, National Association | 31.1% |
| Arvest Bank | 7.4% |
| BancFirst | 4.7% |
| Bank of America, National Association | 4.2% |
| Mabrey Bank | 3.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Tulsa, OK, American Heritage Bank holds 2.8% of bank deposits, #12 of 59, with 22 offices.
353 offices of 81 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 59 institutions shown. $39.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.8% share, 22 offices, #12 of 59
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
87 offices of 22 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.