BlastPoint's Banking Scorecard

American Heritage National Bank

$100M-$1B Specialty: Commercial MN FDIC cert 8843

Long Prairie, MN

7 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

American Heritage National Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 21.79% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.22% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 46.7% in tier
- Net Interest Margin 0.46% below tier average

Get updates when American Heritage National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$601.0M +7.5% YoY +2.5% QoQ	+$214.9M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$425.2M +0.5% YoY -2.1% QoQ	+$169.4M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	82%
Total Deposits ?	$522.5M +7.5% YoY +2.6% QoQ	+$194.5M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.49% +12.0% YoY +35.7% QoQ	+0.22%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.47% +5.8% YoY -1.7% QoQ	-0.46%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	43.50% -6.7% YoY -25.1% QoQ	-21.79%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 7.2% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	81.37% -6.5% YoY -4.5% QoQ	+4.73%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	43%
Non-Interest-Bearing Deposit Share ?	22.66% -5.8% YoY +3.8% QoQ	+0.64%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.41% +10.5% YoY +5.3% QoQ	+1.58%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.07% -8.0% YoY -76.8% QoQ	-0.21%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	34%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#346 of 739 • Bottom 46.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.41%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 81.37%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

193

Efficiency Ratio

profitability

Value: 43.50%

Peer Median: 65.29%

#193 of 2664 Top 7.2% in $100M-$1B

478

Total Loans

size

Value: $425.16M

Peer Median: $255.72M

#478 of 2664 Top 17.9% in $100M-$1B

492

Total Deposits

size

Value: $522.49M

Peer Median: $327.97M

#492 of 2664 Top 18.4% in $100M-$1B

517

Total Assets

size

Value: $601.00M

Peer Median: $386.08M

#517 of 2664 Top 19.4% in $100M-$1B

563

Tier 1 Capital Ratio

capital

Value: 17.41%

Peer Median: 15.83%

#563 of 2664 Top 21.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available