Bank Comparison
American Heritage National Bank vs Frontier State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American Heritage National Bank | Frontier State Bank |
|---|---|---|
| CET1 Ratio | 17.41% | — |
| Tier 1 Capital Ratio | 17.41% | — |
| Total Capital Ratio | 18.67% | — |
| Tier 1 Leverage Ratio | 11.87% | 11.69% |
| Equity / Assets | 12.35% | 11.27% |
Profitability
| Metric | American Heritage National Bank | Frontier State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.48% | 1.63% |
| Return on Equity (ROE) | 12.01% | 14.16% |
| Net Interest Margin (NIM) | 3.45% | 3.31% |
| Yield on Earning Assets | 5.16% | 6.34% |
| Cost of Funds | 1.90% | 3.32% |
Asset quality
| Metric | American Heritage National Bank | Frontier State Bank |
|---|---|---|
| Texas Ratio | 0.34% | 7.37% |
| Non-Performing Loan Ratio | 0.06% | 0.71% |
| Non-Performing Asset Ratio | 0.04% | 0.57% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.40% | 1.29% |
Balance sheet
| Metric | American Heritage National Bank | Frontier State Bank |
|---|---|---|
| Total Assets | $600,999K | $600,666K |
| Total Deposits | $522,485K | $495,871K |
| Total Loans | $431,196K | $480,931K |
| Total Equity | $74,237K | $67,668K |
| Net Income (quarter) | $2,207K | $2,405K |
Liquidity & funding
| Metric | American Heritage National Bank | Frontier State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.53% | 96.99% |
| Core Deposit Ratio | 90.06% | 67.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Heritage National Bank | Frontier State Bank |
|---|---|---|
| Headquarters City | LONG PRAIRIE | OKLAHOMA CITY |
| Headquarters State | MN | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 15037 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 58 | 40 |
| Established | Sept. 1, 1881, midnight | April 14, 1975, 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.
View full American Heritage National Bank profile | View full Frontier State Bank profile | Browse all bank comparisons