American Heritage Bank

What American Heritage Bank does

American Heritage Bank is a privately-held, full-service community bank headquartered in Sapulpa, Oklahoma, operating branches in twelve Oklahoma communities. Founded in 1905 and regulated by the Federal Reserve and FDIC, the bank serves individual consumers and small-to-mid-size businesses with deposit accounts (checking, savings, money market, CDs, IRAs), lending products (personal loans, home mortgages including FHA/VA/USDA secondary-market programs, commercial loans for acquisition, equipment, real estate, construction, and working capital), credit cards (Visa Platinum personal and business, MasterCard debit), and ancillary services including merchant card processing, trust services (50+ years of administration), and investment services through Moore Wealth Management (Cetera Advisor Networks).

The bank monetizes primarily through net interest margin on deposits and loans, supplemented by account and service fees (overdraft $29.50, NSF $29.50, stop payment $25, paper statements $5, business checking base $8-$10/month, business savings $3/month, inactivity fees), and transaction-based fees for bill pay ($0.40 per transaction after first 10; $10 inactivity fee), mobile deposit ($0.75 per small-business deposit), and Visa gift card issuance ($4.95 purchase, $2.95 monthly after 12 months). Deposit pricing as of 12/11/2025 includes a 7-month personal CD at 3.85% APY and 36-month CD at 3.05% APY, with DDA money market tiers reaching 2.15% APY at $250K+.

The technology stack is predominantly third-party: JHA/Banno powers online banking and the public website; Airteller supports mobile banking apps on iOS and Android; FIS provides the Card Suite Lite card-control app; ProfitStars provides Remote Deposit Capture; Cetera Advisor Networks provides the investment/securities platform; and Visa/MasterCard provide card network rails. The bank integrates with Quicken, QuickBooks, and Microsoft Money for data export. Distribution is multi-channel: 12 physical branches, online and mobile banking, after-hours contact center at (833) 5MY-BANK, and a Cash Management Business Resource Department. Go-to-market is direct-to-consumer community banking with local lending decisions positioned against national and regional competitors.

Name

American Heritage Bank

Legal name

American Heritage Bank

Website

https://ahb.bank

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

251–500 employees

Short description

American Heritage Bank is a privately-held, full-service community bank headquartered in Sapulpa, Oklahoma, serving individual consumers and small-to-mid-size businesses across twelve Oklahoma communities with deposit accounts, loans, mortgages, credit cards, trust services, and digital banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Personal deposit accounts
• Commercial lending
• Business treasury management
• Local banking services

Headquarters

HQ city

Sapulpa

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Lending: The bank generates interest income through various loan products including personal loans, home loans, commercial loans, and credit cards. Interest rates are offered on deposits like checking, savings, money market accounts, and certificates of deposit. The bank offers competitive rates on both sides - paying interest on deposits and charging interest on loans.
2. Account and Service Fees: Monthly service charges, activity fees, and transaction fees are charged for various account services. Business checking has $8-9 monthly base fees. Small business checking charges $0.40 per item after first 100 free debits/credits. Additional fees for overdrafts ($29.50), returned NSF ($29.50), and stop payments ($25.00).
3. Bill Pay Services: $3.00 per month for first 10 transactions; $0.40 for each transaction thereafter. Inactivity fee of $10.00 per month after 90 days of not making bill payments.
4. Mobile Deposit Fees: Small business mobile deposit charged at $0.75 per deposit.
5. Card Services: Fees from credit card services, merchant card processing for businesses, and Visa gift cards (purchase fee of $4.95, monthly inactivity fee of $2.95 after 12 months, replacement card fee of $5.00).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

American Heritage Bank is an independent, privately-held community bank headquartered in Sapulpa, Oklahoma, offering a full suite of personal and business banking products. Its offerings span deposit accounts (checking, savings, money market, CDs, IRAs), consumer and commercial loans, credit and debit cards, digital banking, treasury/cash management, merchant card services, trust and investment services, and safe deposit boxes. It serves individuals, families, and small-to-mid-sized businesses across Oklahoma through branch locations and digital channels.

Product overview

American Heritage Bank operates as a community bank offering a comprehensive, integrated banking platform with both consumer and business banking services. The core digital banking experience consists of Online Banking and Mobile Banking platforms, supplemented by specialized add-on modules including Bill Pay, eStatements, and the Card Suite Lite security app. For business customers, the bank provides Cash Management services through a modular suite of products including Direct ACH/Wires, Positive Pay, Remote Deposit Capture, Repurchase Account, and Target Balance Account. The product portfolio spans deposit accounts (checking, savings, CDs, IRAs), lending products (commercial loans, personal loans, home mortgages including secondary market options like FHA/VA/Rural Development), credit cards (Visa Platinum personal and business), merchant services, trust services, and investment services. The bank also offers mobile deposit capabilities through Small Business Mobile Deposit, financial calculators, and after-hours customer support. Technology integrations include money management software (Quicken, QuickBooks, Microsoft Money), payment processing (MasterCard/VISA), the Card Suite Lite app (by FIS), Remote Deposit Capture (ProfitStars), and mortgage/credit card portals.

Differentiator

Problem solved

Functional benefit

Brands

• AHB: Shortened brand name used for mobile banking app and services (e.g., AHB App, AHB MasterCard)
• Card Suite Lite
• AHB Visa Platinum Credit Card
• American Heritage Bank Mobile App

Products and services

• Personal Checking Accounts

Quantifiable outcome

• Mobile Deposit limits: $5,000 per day, $20,000 per month
• +3 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• FIS (Card Suite Lite)coreTechnology or IntegrationFIS provides the Card Suite Lite mobile application that enables American Heritage Bank customers to turn their debit and credit cards on/off in real time, view transactions, and set alert preferences. The app is available on Apple App Store and Google Play Store.
• ProfitStarscoreTechnology or IntegrationProfitStars provides the Remote Deposit Capture platform used by American Heritage Bank business customers. Business login portal at smartpay.profitstars.com/business/login/ahb-ok.
• VisacoreTechnology or IntegrationVisa provides the payment network for American Heritage Bank's Visa Platinum Credit Cards and enables credit card processing for merchants. Includes automatic travel accident insurance and ScoreCard rewards.
• MasterCardcoreTechnology or IntegrationMasterCard provides the payment network for AHB MasterCard debit and credit cards. Business debit cards accepted anywhere MasterCard is accepted, protected by EMV chip technology and constant fraud monitoring.
• DeluxeminorChannel Partner/ Reseller/ DistributorDeluxe provides check ordering services for American Heritage Bank customers through orderpoint.deluxe.com for personal checks.
• JHA/BannocoreTechnology or IntegrationJHA/Banno provides the digital banking platform powering American Heritage Bank's website and online banking services. The bank's website and digital platforms are created using JHA/Banno technology.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BancFirst Corporation: Oklahoma's largest state-chartered bank with a deep community banking footprint across the state. Directly comparable to AHB as a state-chartered, full-service Oklahoma community bank serving consumers and small/mid-size businesses with deposit, lending, and treasury services.
• MidFirst Bank: Large Oklahoma-headquartered privately held bank offering consumer and business banking, mortgage, and wealth services. Comparable to AHB as a privately held Oklahoma community bank with similar product breadth and a focus on local relationship banking.
• SpiritBank: Tulsa-headquartered Oklahoma community bank offering consumer and business banking, treasury management, and lending services. Closely comparable to AHB in scale, product mix, and Oklahoma-only community banking model.
• First United Bank: Oklahoma and Texas community bank providing consumer, small business, and commercial banking services. Comparable to AHB as a privately held community bank with a similar full-service product suite and local decision-making focus.

Broad incumbents

• BOK Financial: Oklahoma-based financial holding company operating BOK Bank, a super-regional commercial bank. Comparable to AHB as a major Oklahoma-headquartered banking franchise with overlapping consumer, commercial, and treasury management offerings, but at materially larger scale and broader geographic reach.
• JPMorgan Chase: National full-service bank with significant consumer and business banking operations in Oklahoma. Comparable to AHB as a deposit-taker and small business lender, but competes with it for the same SMB and consumer customers at national scale with stronger digital capabilities.
• Bank of America: National full-service consumer and business bank with branches and digital channels across the U.S., including Oklahoma. Overlaps with AHB in deposit, lending, treasury, and card services, but at vastly greater scale and with brand-driven switching costs that compete for AHB's higher-end customers.
• Wells Fargo: National full-service bank with broad consumer and commercial banking presence in Oklahoma. Comparable to AHB across deposit, mortgage, small business lending, and treasury products, but with deeper digital infrastructure and broader geographic reach.

Regional players

• Arvest Bank: Community-oriented regional bank with operations across Arkansas, Oklahoma, Kansas, and Missouri. Comparable to AHB as a multi-branch community bank serving consumers and businesses with similar deposit, lending, and treasury products, but with a wider geographic footprint.

Emerging players

• Vast Bank: Oklahoma-based bank historically focused on digital and fintech partnerships. Comparable to AHB as an Oklahoma-based deposit-taker serving similar consumer and SMB segments, but differentiated by a more digital-native, fintech-aligned distribution model that competes for the same end-customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bankahb
• Facebookfacebook.com/ahbbank
• LinkedInlinkedin.com/company/american-heritage-bank
• Instagraminstagram.com/americanheritagebank

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Heritage Bank