American Heritage National Bank
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Data as of · sourced from FFIEC call reports. How we update
American Heritage National Bank is an FDIC-insured commercial bank headquartered in Long Prairie, MN, established in 1881 (FDIC certificate 8843), and it is supervised by the OCC. At Q2 2026 it reported total assets of $604.7M, up 11.8% from Q2 2025, the 38th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 17.48% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 8843
- Headquarters
- Long Prairie, MN
- Established
- 1881
- Total assets, Q2 2026
- $604.7M
- Assets vs Q2 2025
- +11.8%
- CET1 ratio, Q2 2026
- 17.48%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 091903051
- Latest call report
- Q2 2026, FFIEC 041 · American Heritage National Bank call report
- Holding company
- AMERICAN HERITAGE HOLDING COMPANY
- Asset rank in state
- 38th of 221 in Minnesota
American Heritage National Bank, based in Long Prairie, Minnesota, reported $605 million in assets at June 30, 2026, up 11.8% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). On the other hand, it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
Net income for the quarter rose 10% from a year earlier, to $1.8 million. Over the same year, loans grew 3.0% and deposits grew 12.2%.
As of June 30, 2026, American Heritage National Bank reported a CET1 capital ratio of 17.48%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, American Heritage National Bank is the 38th largest of the 221 banks headquartered in Minnesota. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $604.7M, loans rose 2.6% and deposits rose 0.2%. 1-4 family residential loans made up 30.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 24.2%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in MN; its St. Cloud office books 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, American Heritage National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 24 2nd St S, Long Prairie, MN 56347
- County
- Todd
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 1, 1881
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $523.8M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- -$8K
- Average total assets
- $613.3M
- Average total loans
- $436.3M
- Average interest-bearing deposits
- $407.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8843
- Fed RSSD
- 61757
- Website
- www.logbank.com →
- Parent Holding Company
- AMERICAN HERITAGE HOLDING COMPANY (RSSD 4520953)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
American Heritage National Bank's total assets moved between a low of $530.8M (Q3 2023) and a high of $604.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$604.7M total assets against $541.0M; $528.5M total liabilities against $470.9M.
$436.4M net loans and leases against $423.5M; $523.8M total deposits against $467.0M.
$64.7M securities against $28.7M; $76.8M cash and balances due against $62.3M.
$8.0M total interest income against $6.8M; $2.5M total interest expense against $2.2M.
$5.5M net interest income against $4.6M.
$460K total noninterest income against $449K; $3.2M total noninterest expense against $2.8M.
No provision recorded in the last 12 quarters.
$1.8M net income against $1.7M.
1.21% return on assets against 1.21%; 3.79% net interest margin against 3.54%.
17.48% CET1 capital ratio against 16.16%; 11.89% tier 1 leverage ratio against 12.06%.
Inside the full American Heritage National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
American Heritage National Bank rankings
Its closest position to the top of a national ranking is 536 of 2,134, for CET1 ratio; its furthest is 3,398 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.40% (Q4 2025) to 1.48% (Q1 2026) and its net interest margin ran from 3.06% (Q3 2024) to 3.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.48% | 1.21% | 0.00% | 0.00% | 3.79% |
| Q1 2026 | 17.41% | 1.48% | 0.00% | 0.00% | 3.45% |
| Q4 2025 | 16.54% | 0.40% | 0.09% | 0.53% | 3.59% |
| Q3 2025 | 16.45% | 1.45% | 0.00% | 0.10% | 3.64% |
| Q2 2025 | 16.16% | 1.21% | 0.00% | 0.11% | 3.54% |
| Q1 2025 | 15.75% | 1.32% | 0.11% | 0.76% | 3.25% |
| Q4 2024 | 15.42% | 0.63% | 0.00% | 0.11% | 3.19% |
| Q3 2024 | 15.02% | 1.05% | 0.00% | 0.00% | 3.06% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St. Cloud Branch | St. Cloud , MN | 56301 | $176.0M |
| American Heritage National Bank (main office) | Long Prairie , MN | 56347 | $133.8M |
| Avon Br | Avon , MN | 56310 | $122.3M |
| American Heritage Nb Branch | Saint Cloud , MN | 56304 | $37.8M |
| Clearwater Branch | Clearwater , MN | 55320 | $34.0M |
| Browerville Branch | Browerville , MN | 56438 | $18.1M |
| Minnetonka Branch #7 | Minnetonka , MN | 55391 | $1.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 12, 2017 | Structure Change | Acquired Avon State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 10, 1989 | Structure Change | Acquired The Lee State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 9, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 14, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 14, 1987 | Structure Change | Acquired Todd County State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MN, rank 55 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68 applications, 64 loans originated, $25.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $38K approved, $38K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about American Heritage National Bank
What are American Heritage National Bank's total assets?
As of the Q2 2026 filing, American Heritage National Bank reported total assets of $604.7 million in its FFIEC call report.
Where is American Heritage National Bank headquartered?
It is headquartered in Long Prairie, MN, United States.
When was American Heritage National Bank founded?
It was established in 1881, per the FDIC institution directory.
Is American Heritage National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8843). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Heritage National Bank?
American Heritage National Bank's primary federal regulator is the OCC.
What is American Heritage National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.48% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does American Heritage National Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Heritage National Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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