Side-by-side · Q2 2026 data
American Heritage National Bank vs Liberty Bank Minnesota
Metric by metric
| Measure | American Heritage National Bank | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 80 | 86 (stronger) |
| Capital cushion | 69 | 79 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 74 (stronger) | 62 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 77th | 90th |
| Total assets | $604.7M | $290.2M |
| Deposits / shares | $523.8M | $262.9M |
| Capital ratio | 11.89% | 12.90% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.36% (stronger) | 1.04% |
| Loans ÷ deposits | 83.3% | 51.7% (stronger) |
| Uninsured deposits | 29.7% | 9.1% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | 3.3% |
Liberty Bank Minnesota has the higher TellerScore (86 vs 80). On the 6 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 2 and Liberty Bank Minnesota on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.