Side-by-side · Q2 2026 data
Citizens Bank Minnesota vs American Heritage National Bank
Metric by metric
| Measure | Citizens Bank Minnesota | American Heritage National Bank |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 43 | 69 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 54 | 74 (stronger) |
| Funding & liquidity | 78 (stronger) | 60 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 43rd | 77th |
| Total assets | $596.0M | $604.7M |
| Deposits / shares | $498.7M | $523.8M |
| Capital ratio | 9.33% | 11.89% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 0.85% | 1.36% (stronger) |
| Loans ÷ deposits | 80.5% (stronger) | 83.3% |
| Uninsured deposits | 16.9% (stronger) | 29.7% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | 4.4% |
American Heritage National Bank has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank Minnesota leads on 2 and American Heritage National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.