American Heritage National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.55 percentage points lower than in Q1 2026, at 251.99%. American Heritage National Bank ranks 93rd of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 84.48% (Q2 2026). American Heritage National Bank reported 84.48% on loan-to-deposit ratio for Q2 2026, 3.64 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $442.5M |
| Net loans and leases | $436.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.17% |
| Loan-to-deposit ratio | 84.48% |
| Net loans to equity capital | 5.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.75% |
| Multifamily (5+ residential) | 17.97% |
| Commercial and industrial | 6.46% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 0.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 251.99% |
| Construction concentration (Tier 1 capital + allowance) | 14.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.02% |
| Interest income on loans | $6.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $387.7M | $456.2M | 36.76% | 7.15% | 0.39% |
| Q4 2023 | $409.7M | $464.5M | 41.97% | 7.45% | 0.35% |
| Q1 2024 | $416.7M | $468.2M | 40.87% | 7.65% | 0.29% |
| Q2 2024 | $424.5M | $467.7M | 40.68% | 8.06% | 0.27% |
| Q3 2024 | $424.5M | $494.0M | 40.43% | 7.77% | 0.24% |
| Q4 2024 | $424.9M | $484.8M | 40.30% | 7.07% | 0.29% |
| Q1 2025 | $429.1M | $486.2M | 40.56% | 7.23% | 0.25% |
| Q2 2025 | $429.6M | $467.0M | 40.99% | 6.63% | 0.25% |
| Q3 2025 | $440.3M | $485.5M | 40.47% | 6.44% | 0.17% |
| Q4 2025 | $440.2M | $509.4M | 40.60% | 6.31% | 0.20% |
| Q1 2026 | $431.2M | $522.5M | 40.87% | 7.09% | 0.17% |
| Q2 2026 | $442.5M | $523.8M | 41.75% | 6.46% | 0.15% |
American Heritage National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Heritage National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Heritage National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8843) · FFIEC NIC profile (RSSD 61757)