Side-by-side · Q2 2026 data
American Heritage National Bank vs Mid-Central National Bank
Metric by metric
| Measure | American Heritage National Bank | Mid-Central National Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 77 |
| Capital cushion | 69 | 99 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 74 (stronger) | 44 |
| Funding & liquidity | 60 | 67 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 77th | 68th |
| Total assets | $604.7M | $117.1M |
| Deposits / shares | $523.8M | $94.9M |
| Capital ratio | 11.89% | 14.91% (stronger) |
| Problem loans | 0.00% (stronger) | 0.76% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.36% (stronger) | 0.60% |
| Loans ÷ deposits | 83.3% (stronger) | 93.2% |
| Uninsured deposits | 29.7% | 3.9% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
American Heritage National Bank has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 5 and Mid-Central National Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Long Prairie, MN