TellerScore

American Heritage National Bank is a national bank headquartered in Long Prairie, Minnesota, in business for about 145 years. At the end of Q2 2026 it reported $604.7M in total assets and $523.8M in deposits, with 7 offices.

American Heritage National Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 36th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (60/100, 83% loans-to-deposits, 30% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.89%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings74/100
Return on assets (annualized): 1.36%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 83.3% · 29.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202474
Q4 202474
Q1 202577
Q2 202579
Q3 202580
Q4 202577
Q1 202681
Q2 202680
Tier 1 leverage ratio
5.00%8.62%12.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.89%
Q3 202410.94%
Q4 202411.17%
Q1 202511.60%
Q2 202512.06%
Q3 202512.25%
Q4 202511.97%
Q1 202611.87%
Q2 202611.89%
Noncurrent loans
0.00%0.05%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.11%
Q2 20250.00%
Q3 20250.00%
Q4 20250.09%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.96%1.22%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.06%
Q4 20240.96%
Q1 20251.33%
Q2 20251.28%
Q3 20251.34%
Q4 20251.10%
Q1 20261.49%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$604.7M11.89%0.00%1.36%83.3%
Q1 202681$601.0M11.87%0.00%1.49%81.4%
Q4 202577$586.6M11.97%0.09%1.10%85.2%
Q3 202580$563.0M12.25%0.00%1.34%89.4%
Q2 202579$541.0M12.06%0.00%1.28%90.7%
Q1 202577$559.1M11.60%0.11%1.33%87.0%
Q4 202474$556.7M11.17%0.00%0.96%86.4%
Q3 202474$568.5M10.94%0.00%1.06%84.7%
Q2 202474$550.3M10.89%0.00%1.06%89.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.89%
64th
Total risk-based capital18.73%
83rd
Problem loans0.00%
94th
Net charge-offs-0.00%
83rd
Return on assets1.36%
57th
Net interest margin3.68%
36th
Efficiency ratio48.6%
86th
Loans to deposits83.3%
42nd
Uninsured deposits29.7%
29th
Loan-loss reserves1.37%
69th
Texas ratio0.0%
95th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
North Shore Bank of CommerceBank Duluth, MN71 out of 100, Strong$598.5M8.7%0.14%vs
Citizens Bank MinnesotaBank New Ulm, MN70 out of 100, Strong$596.0M9.3%0.02%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Scale BankBank Edina, MN83 out of 100, Strong$626.7M14.0%0.06%vs
First Independent BankBank Russell, MN76 out of 100, Strong$632.3M9.9%0.14%vs
BankVistaBank Sartell, MN46 out of 100, Below average$651.1M9.9%2.21%vs

Deposit insurance

Is my money safe at American Heritage National Bank?

Yes. American Heritage National Bank is an FDIC-insured institution (FDIC certificate #8843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.7% of deposits ($155.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.89%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.73% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

American Heritage National Bank lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, American Heritage National Bank reported 68 home-loan applications under HMDA (LEI 549300G3WIMVDYUYQC27): 64 originated ($25,390,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
American Heritage National Bank
Former names
First National Bank of Long Prairie; The Bank of Long Prairie
Type
National bank
FDIC certificate #
8843
RSSD ID
61757
Primary regulator
OCC
Holding company
American Heritage Holding Co
Established
September 1, 1881
Headquarters
24 2nd St S, Long Prairie, MN 56347
Employees
60

Quick answers

American Heritage National Bank: common questions

Is American Heritage National Bank FDIC insured?

Yes. American Heritage National Bank is an FDIC-insured institution (FDIC certificate #8843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is American Heritage National Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has American Heritage National Bank ever failed?

There is no failure record for FDIC certificate #8843 in the FDIC failed bank list.

How many branches does American Heritage National Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Long Prairie

InstitutionScoreAssetsCapitalProblem loansCompare
Battle Bank, National AssociationBank Upsala, MN79 out of 100, Strong$180.8M33.3%0.00%vs
Pine Country BankBank Little Falls, MN78 out of 100, Strong$380.3M10.2%0.06%vs
Mid-Central National BankBank Wadena, MN77 out of 100, Strong$117.1M14.9%0.76%vs
Freeport State BankBank Freeport, MN77 out of 100, Strong$165.5M10.7%0.00%vs
Minnesota National BankBank Sauk Centre, MN70 out of 100, Strong$298.4M9.8%0.49%vs
Magnifi Financial Credit UnionCredit union Melrose, MN68 out of 100, Moderate$2.8B11.0%0.21%vs