Side-by-side · Q2 2026 data
The First National Bank of Osakis vs American Heritage National Bank
Metric by metric
| Measure | The First National Bank of Osakis | American Heritage National Bank |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 37 | 69 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 65 | 74 (stronger) |
| Funding & liquidity | 59 | 60 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 19th | 77th |
| Total assets | $97.6M | $604.7M |
| Deposits / shares | $80.9M | $523.8M |
| Capital ratio | 8.67% | 11.89% (stronger) |
| Problem loans | 0.67% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 1.12% | 1.36% (stronger) |
| Loans ÷ deposits | 100.4% | 83.3% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 29.7% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.4% |
American Heritage National Bank has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Osakis leads on 2 and American Heritage National Bank on 5. 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.