American Heritage Nb (FDIC #8843): Bank Stress & Real-Estate Credit Exposure
American Heritage Nb (FDIC Cert #8843): bank stress 54/100, moderate, STABLE over 7 days; parent AMERICAN HERITAGE HOLDING CO.
American Heritage Nb (#8843) lends in 5 counties across 1 state; American Heritage Nb (#8843) reaches 142 ZIP codes: Minnesota 5 counties, 142 ZIPs.
American Heritage Nb (#8843) largest markets: Hennepin County, MN (73 branches, 73 ZIPs) (#8843), Stearns County, MN (66 branches, 33 ZIPs) (#8843), Todd County, MN (38 branches, 19 ZIPs) (#8843), Wright County, MN (19 branches, 19 ZIPs) (#8843), Benton County, MN (9 branches, 9 ZIPs) (#8843).
American Heritage Nb (#8843) reports $604.7 million in total assets; American Heritage Nb (#8843) equity $76.1 million (12.6% of American Heritage Nb (#8843) assets); American Heritage Nb (#8843) domestic deposits $523.8 million; American Heritage Nb (#8843) net income $4.1 million; American Heritage Nb (#8843) return on assets 1.36%; American Heritage Nb (#8843) return on equity 10.90%; American Heritage Nb (#8843) net interest income $10.4 million; American Heritage Nb (#8843) call report June 30, 2026.
American Heritage Nb (#8843) noncurrent real-estate loans: none reported; American Heritage Nb (#8843) net charge-offs on real estate 0.00%.
American Heritage Nb (#8843) net interest margin 3.68% against an eight-quarter American Heritage Nb (#8843) average of 3.37% (American Heritage Nb (#8843) compression -0.31 points); American Heritage Nb (#8843) rate-exposure score 40/100, American Heritage Nb (#8843) fixed-rate trap 40/100; American Heritage Nb (#8843) risk type credit driven; American Heritage Nb (#8843) rate regime rates elevated, American Heritage Nb (#8843) snapshot October 19, 2026.
American Heritage Nb (#8843) stress score moved from 51.1 on June 22, 2026 to 54.3 on October 20, 2026; American Heritage Nb (#8843) ranged 51.1 to 54.3 over 117 snapshots.
American Heritage Nb (#8843) alerts: 4 counties; top American Heritage Nb (#8843) alert scores: Clearwater County, MN 40 (moderate); Long Prairie County, MN 21 (low); Saint Cloud County, MN 21 (low); Wayzata County, MN 21 (low).