American Heritage National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Heritage National Bank of Long Prairie, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.21% | 1.34% | -0.13% | 46th below |
| ROAE | 9.83% | 13.32% | -3.49% | 35th below |
| Net Interest Margin | 3.79% | 3.93% | -0.14% | 41st below |
| Efficiency Ratio | 53.13% | 61.14% | -8.01% | 74th above |
| PPNR / Avg Assets | 1.84% | 1.68% | +0.16% | 65th above |
| Yield on Earning Assets | 5.50% | 5.67% | -0.17% | 45th below |
| Cost of Funds | 1.91% | 1.88% | +0.03% | 43rd below |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 35th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 78th top |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 80th top |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 2333.59% | 1538.16% | +795.43% | — |
| Texas Ratio | 0.33% | 7.34% | -7.01% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.48% | 19.50% | -2.02% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.48% | 19.54% | -2.06% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.73% | 20.62% | -1.89% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.89% | 12.14% | -0.25% | 64th above |
| Equity / Assets | 12.59% | 11.37% | +1.22% | 75th top |
| TCE / Tangible Assets | 11.96% | 11.09% | +0.87% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.48% | 80.63% | +3.85% | 42nd below |
| Core Deposit Ratio | 90.04% | 86.86% | +3.18% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.76% | 6.85% | +4.91% | 87th top |
| Loan Growth (Y/Y) | 3.00% | 7.91% | -4.91% | 37th below |
| Deposit Growth (Y/Y) | 12.16% | 6.28% | +5.88% | 88th top |
See American Heritage National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Heritage National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Heritage National Bank profile, how to read a UBPR, or how this data updates.