Side-by-side · Q2 2026 data
American Heritage National Bank vs Minnesota Lakes Bank
Metric by metric
| Measure | American Heritage National Bank | Minnesota Lakes Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 53 |
| Capital cushion | 69 (stronger) | 57 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 74 | 77 (stronger) |
| Funding & liquidity | 60 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 77th | 9th |
| Total assets | $604.7M | $129.8M |
| Deposits / shares | $523.8M | $113.5M |
| Capital ratio | 11.89% (stronger) | 10.69% |
| Problem loans | 0.00% (stronger) | 3.18% |
| Net charge-offs | -0.00% | -0.18% (stronger) |
| Return on assets | 1.36% | 1.43% (stronger) |
| Loans ÷ deposits | 83.3% | 65.6% (stronger) |
| Uninsured deposits | 29.7% | 16.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.4% | — |
American Heritage National Bank has the higher TellerScore (80 vs 53). On the 7 directional measures above (where higher or lower is clearly better), American Heritage National Bank leads on 3 and Minnesota Lakes Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.