Bank Comparison
American Heritage National Bank vs Partners Bank of California
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 8
winning metrics across 16 scored rows (1 tied)
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Capital adequacy
| Metric | American Heritage National Bank | Partners Bank of California |
|---|---|---|
| CET1 Ratio | 17.48% | 13.70% |
| Tier 1 Capital Ratio | 17.48% | 13.70% |
| Total Capital Ratio | 18.73% | 14.96% |
| Tier 1 Leverage Ratio | 11.89% | 11.67% |
| Equity / Assets | 12.59% | 11.30% |
Profitability
| Metric | American Heritage National Bank | Partners Bank of California |
|---|---|---|
| Return on Assets (ROA) | 1.21% | 1.43% |
| Return on Equity (ROE) | 9.83% | 12.43% |
| Net Interest Margin (NIM) | 3.79% | 4.04% |
| Yield on Earning Assets | 5.50% | 5.82% |
| Cost of Funds | 1.91% | 2.04% |
Asset quality
| Metric | American Heritage National Bank | Partners Bank of California |
|---|---|---|
| Texas Ratio | 0.33% | 0.00% |
| Non-Performing Loan Ratio | 0.06% | 0.00% |
| Non-Performing Asset Ratio | 0.04% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.37% | 2.06% |
Balance sheet
| Metric | American Heritage National Bank | Partners Bank of California |
|---|---|---|
| Total Assets | $604.7M | $602.2M |
| Total Deposits | $523.8M | $509.0M |
| Total Loans | $442.5M | $505.8M |
| Total Equity | $76.1M | $68.1M |
| Net Income (quarter) | $1.8M | $2.1M |
Liquidity & funding
| Metric | American Heritage National Bank | Partners Bank of California |
|---|---|---|
| Loan-to-Deposit Ratio | 84.48% | 99.38% |
| Core Deposit Ratio | 90.04% | 83.70% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Heritage National Bank | Partners Bank of California |
|---|---|---|
| Headquarters City | Long Prairie | Mission Viejo |
| Headquarters State | MN | CA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 7 | 2 |
| Employees (FTE) | 60 | 47 |
| Established | September 1, 1881 | November 16, 2007 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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