American Heritage National Bank: how it compares with its peers
Against 74 MN banks with half to twice its assets, American Heritage National Bank's strongest measure in Q2 2026 is efficiency ratio (48.61% vs. a 61.89% peer median). Its weakest relative measure is net interest margin (3.68% vs. 3.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.36% | 1.31% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.68% | 3.95% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.61% | 61.89% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.1M | $7.8M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.32% | 85.45% | Context |
What it means for lending operations
Its efficiency ratio of 48.61% is better than the 61.89% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- North Shore Bank of Commerce Duluth, MN · $599M
- Citizens Bank Minnesota New Ulm, MN · $596M
- WNB FINANCIAL, N.A. Winona, MN · $584M
- Scale Bank Edina, MN · $627M
- First Independent Bank Russell, MN · $632M
- BankVista Sartell, MN · $651M
Questions about American Heritage National Bank
How big is American Heritage National Bank?
American Heritage National Bank, established in 1881, is headquartered in Long Prairie, MN. It reported $605M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is American Heritage National Bank's return on assets?
1.36% annualized in Q2 2026, against a 1.31% median for 74 MN banks with half to twice its assets, ahead of 57% of them.
What is American Heritage National Bank's efficiency ratio?
48.61% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 61.89%, and lower is better.
Is American Heritage National Bank growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits grew 12.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.