Bank Comparison
American Heritage National Bank vs First Independent Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | American Heritage National Bank | First Independent Bank |
|---|---|---|
| CET1 Ratio | 17.41% | 12.31% |
| Tier 1 Capital Ratio | 17.41% | 12.31% |
| Total Capital Ratio | 18.67% | 13.35% |
| Tier 1 Leverage Ratio | 11.87% | 9.89% |
| Equity / Assets | 12.35% | 9.30% |
Profitability
| Metric | American Heritage National Bank | First Independent Bank |
|---|---|---|
| Return on Assets (ROA) | 1.48% | 1.39% |
| Return on Equity (ROE) | 12.01% | 16.07% |
| Net Interest Margin (NIM) | 3.45% | 3.75% |
| Yield on Earning Assets | 5.16% | 5.49% |
| Cost of Funds | 1.90% | 1.90% |
Asset quality
| Metric | American Heritage National Bank | First Independent Bank |
|---|---|---|
| Texas Ratio | 0.34% | 1.54% |
| Non-Performing Loan Ratio | 0.06% | 0.17% |
| Non-Performing Asset Ratio | 0.04% | 0.15% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.40% | 1.16% |
Balance sheet
| Metric | American Heritage National Bank | First Independent Bank |
|---|---|---|
| Total Assets | $600,999K | $634,126K |
| Total Deposits | $522,485K | $537,424K |
| Total Loans | $431,196K | $426,579K |
| Total Equity | $74,237K | $58,997K |
| Net Income (quarter) | $2,207K | $2,141K |
Liquidity & funding
| Metric | American Heritage National Bank | First Independent Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.53% | 79.37% |
| Core Deposit Ratio | 90.06% | 86.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Heritage National Bank | First Independent Bank |
|---|---|---|
| Headquarters City | LONG PRAIRIE | RUSSELL |
| Headquarters State | MN | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 15037 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 12 |
| Employees (FTE) | 58 | 86 |
| Established | Sept. 1, 1881, midnight | Jan. 1, 1903, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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