BlastPoint's Banking Scorecard
American Heritage National Bank
Community
Specialty: Commercial
MN
FDIC cert 8843
Long Prairie, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
American Heritage National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12% in Community
- - Credit Quality Pressure: Bottom 17% in Community
- - Liquidity Overhang: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$586.6M
+5.4% YoY
+4.2% QoQ
|
-$804.8M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$434.2M
+3.7% YoY
-0.0% QoQ
|
-$541.3M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$509.4M
+5.1% YoY
+4.9% QoQ
|
-$655.3M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.10%
+14.4% YoY
-18.2% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.53%
+15.6% YoY
+0.6% QoQ
|
-0.13% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
58.04%
-2.7% YoY
+16.5% QoQ
|
-4.59% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? | 0.09% | -0.54% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
85.24%
-1.3% YoY
-4.7% QoQ
|
+2.18% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
21.84%
-5.6% YoY
-3.2% QoQ
|
+0.79% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.07%
+386.8% YoY
+392.4% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
16.54%
+7.2% YoY
+0.5% QoQ
|
+6.29% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.31%
-0.9% YoY
+26.9% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#20 of 371 · Top 5% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Risk Growth
risk
#79 of 642 · Bottom 12% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#138 of 808 · Bottom 17% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Liquidity Overhang
risk
#116 of 268 · Bottom 43% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.54%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.24%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Tier 1 Capital Ratio
Current: 16.54% · Tier avg: 10.24%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
64
64th pctile
Efficiency Ratio
Current: 58.04% · Tier avg: 62.63%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.84% · Tier avg: 21.05%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.24% · Tier avg: 83.06%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
20
20th pctile
Total Loans
Current: $434.2M · Tier avg: $975.5M
14
14th pctile
Total Deposits
Current: $509.4M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $586.6M · Tier avg: $1.4B
Top Weaknesses
12
12th pctile
Total Assets
Current: $586.6M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $509.4M · Tier avg: $1.2B
20
20th pctile
Total Loans
Current: $434.2M · Tier avg: $975.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.24% · Tier avg: 83.06%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.84% · Tier avg: 21.05%
64
64th pctile
Efficiency Ratio
Current: 58.04% · Tier avg: 62.63%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.54% · Tier avg: 10.24%