Side-by-side · Q2 2026 data
American Heritage National Bank vs Lake Central Bank
Metric by metric
| Measure | American Heritage National Bank | Lake Central Bank |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 69 (stronger) | 62 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 60 | 81 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 90th |
| Total assets | $604.7M | $291.3M |
| Deposits / shares | $523.8M | $257.3M |
| Capital ratio | 11.89% (stronger) | 11.15% |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.36% | 2.39% (stronger) |
| Loans ÷ deposits | 83.3% | 71.4% (stronger) |
| Uninsured deposits | 29.7% | 22.0% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | 4.5% |
Lake Central Bank has the higher TellerScore (86 vs 80). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 3 and Lake Central Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Clearwater, MN