BlastPoint's Banking Scorecard

American Heritage National Bank

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

Long Prairie, MN

7 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
Deposits +12.2% year over year ($523.8M on the books).
Delinquency rate 0.00%.
Return on assets 1.36%.
Efficiency ratio 48.61% vs a 64.48% peer average.
Loan-to-deposit ratio 83.32% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

American Heritage National Bank has 3 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

+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 15.87% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 45.0% in tier
- Net Interest Margin 0.31% below tier average

Get updates when American Heritage National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$604.7M +11.8% YoY +0.6% QoQ	+$218.1M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$436.4M +3.0% YoY +2.6% QoQ	+$178.1M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	83%
Total Deposits ?	$523.8M +12.2% YoY +0.2% QoQ	+$197.0M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	1.36% +6.2% YoY -8.7% QoQ	+0.03%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	3.68% +7.1% YoY +5.9% QoQ	-0.31%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	48.61% -3.9% YoY +11.8% QoQ	-15.87%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Top 14.2% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	83.32% -8.1% YoY +2.4% QoQ	+5.37%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	21.94% -6.5% YoY -3.2% QoQ	-0.10%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.48% +8.2% YoY +0.4% QoQ	+1.57%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.15% -9.9% YoY +104.5% QoQ	-0.42%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	21.9% -1.5pp YoY -0.7pp QoQ	-0.2pp	22.1%	21.9%	22.2%	54%
Brokered Deposits	n/a	n/a	7.9%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	6.5% -0.2pp YoY -0.6pp QoQ	-5.0pp	11.6%	14.6%	12.5%	30%
CRE	63.1% -3.7pp YoY -1.1pp QoQ	+23.6pp	39.5%	36.5%	41.4%	88%
1-4 Family	30.5% +4.2pp YoY +1.8pp QoQ	-2.1pp	32.6%	29.4%	31.3%	52%
Consumer	0.2% -0.1pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.5%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	17.5% +1.3pp YoY +0.1pp QoQ	-1.3pp	18.8%	16.5%	19.7%	66%
Leverage Ratio	11.9% -0.2pp YoY 0.0pp QoQ	-0.3pp	12.2%	11.0%	12.6%	64%
Total Capital Ratio	18.7% +1.3pp YoY +0.1pp QoQ	-1.2pp	19.9%	17.6%	20.8%	67%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	60 -1 (-1.6%) YoY +2 (+3.4%) QoQ	+1	58	55	482	63%
Assets per Employee ($)	$10.1M +13.6% YoY -2.7% QoQ	+$2.6M	$7.5M	$8.6M	$8.8M	86%
Branch Count	7 0 YoY 0 QoQ	+2	4	4	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	20.41x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	20%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	10.9% +0.6pp YoY -1.1pp QoQ	-1.3pp	12.2%	13.1%	11.6%	42%
Cost of Funds (YTD)	1.7% 0.0pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	53%
Net Income ($, YTD)	$4.1M +14.9% YoY — QoQ	+$1.5M	$2.6M	$4.5M	$40.4M	81%

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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

#335 of 742 • Bottom 45.0% 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: 17.48%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 83.32%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

375

Efficiency Ratio

profitability

Value: 48.61%

Peer Median: 64.48%

#375 of 2643 Top 14.2% in $100M-$1B

460

Total Loans

size

Value: $436.41M

Peer Median: $258.35M

#460 of 2643 Top 17.4% in $100M-$1B

470

Total Deposits

size

Value: $523.75M

Peer Median: $326.73M

#470 of 2643 Top 17.7% in $100M-$1B

505

Total Assets

size

Value: $604.66M

Peer Median: $386.57M

#505 of 2643 Top 19.1% in $100M-$1B

559

Tier 1 Capital Ratio

capital

Value: 17.48%

Peer Median: 15.91%

#559 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available