AMERICAN HERITAGE NATIONAL BANK

LONG PRAIRIE, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1881FDIC #8,843

Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.49%

Institution Profile

FDIC BankFind

Website

www.logbank.com

Address

24 2nd St S, LONG PRAIRIE, MN

County

Todd County

Established

September 1, 1881

Total Assets

$601M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 22, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$601M

Total Deposits

$522M

Net Loans

$425M

Net Income

$2M

ROA

1.49%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.01%

Risk-Based Capital

18.67%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.49%Peer avg: 0.44%▲ Above avg

Risk-Based Capital18.67%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate3.06%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$467M

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	98	92.86%	3.06%
2023	115	89.57%	0.87%
2022	126	89.68%	1.59%
2021	82	71.95%	1.22%
2020	108	62.04%	5.56%
2019	66	53.03%	9.09%
2018	86	67.44%	11.63%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2025	Satisfactory	Intermediate Small Bank
Sep 2022	Satisfactory	Small Bank
Jul 2019	Satisfactory	Intermediate Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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