Side-by-side · Q2 2026 data
American Heritage National Bank vs Harvest Bank
Metric by metric
| Measure | American Heritage National Bank | Harvest Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 63 |
| Capital cushion | 69 (stronger) | 42 |
| Loan quality | 100 (stronger) | 73 |
| Earnings | 74 (stronger) | 61 |
| Funding & liquidity | 60 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 77th | 24th |
| Total assets | $604.7M | $355.1M |
| Deposits / shares | $523.8M | $323.4M |
| Capital ratio | 11.89% (stronger) | 9.15% |
| Problem loans | 0.00% (stronger) | 0.80% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 1.36% (stronger) | 1.03% |
| Loans ÷ deposits | 83.3% | 75.4% (stronger) |
| Uninsured deposits | 29.7% | 16.6% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | 0.0% |
American Heritage National Bank has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 5 and Harvest Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- St. Cloud, MN