Bank · FDIC insured
American Heritage Bank
A $1.5B bank headquartered in Sapulpa, OK, with 24 branches in Oklahoma. Best rates: CDs 4.05% and savings 0.80% APY.
American Heritage Bank Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#21 of 44 in Tulsa, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About American Heritage Bank
- Headquarters
- 2 S Main St, Sapulpa, OK 74066
- FDIC certificate
- 4190 ↗
Branches
24 branches in Oklahoma
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Oklahoma
24 branches
Tulsa area · 22
- American Heritage BankMain office2 S Main St, Sapulpa, OK 74066Directions
- Barnsdall Branch400 West Main Street, Barnsdall, OK 74002Directions
- Beggs Branch301 North Choctaw, Beggs, OK 74421Directions
- Cleveland Branch100 N Broadway St, Cleveland, OK 74020Directions
- Cleveland Motor Bank Branch318 S Broadway St, Cleveland, OK 74020Directions
- Drive-In Branch100 N Broadway St, Cleveland, OK 74020Directions
- Glenpool Branch12120 S Vancouver Ave, Glenpool, OK 74033Directions
- Kellyville Branch113 W Allen St, Kellyville, OK 74039Directions
- Kiefer Branch501 E Indiana, Kiefer, OK 74041Directions
- Mannford Branch408 E. Cimarron, Mannford, OK 74044Directions
- Mannford Motor Bank Branch30021 W Highway 51, Mannford, OK 74044Directions
- Mounds Branch1303 Commercial Ave, Mounds, OK 74047Directions
- Pawhuska Branch239 E Main St, Pawhuska, OK 74056Directions
- Adams Road Branch220 S Adams Rd, Sand Springs, OK 74063Directions
- South Sand Springs Branch3801 S 113th West Ave, Sand Springs, OK 74063Directions
- Mission Street Branch620 S Mission St, Sapulpa, OK 74066Directions
- Sapulpa Motor Branch2 S Main St, Sapulpa, OK 74066Directions
- 4th & Lewis Branch445 S Lewis Ave, Tulsa, OK 74104Directions
- 7042 South Union Avenue Branch7042 S Union Ave, Tulsa, OK 74132Directions
- Berryhill Branch6136 W 41st St, Tulsa, OK 74107Directions
- Tulsa Branch8120 S Yale Ave, Tulsa, OK 74137Directions
- West Branch5151 S 33rd West Ave, Tulsa, OK 74107Directions
Bartlesville area · 1
- Bartlesville Branch3309 E Frank Phillips Blvd, Bartlesville, OK 74006Directions
Stillwater area · 1
- Yale Branch202 N Main St, Yale, OK 74085Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.57% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.21% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.95% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $43 | $88 | — |
- CapitalLeverage ratio9.57%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.21%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.95%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$43Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of American Heritage Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.