American Federal has once again earned a 5-Star rating for the past quarter from Bauer Financial, Inc., the nation's leading independent bank rating and research firm.  The 5-Star rating is the highest rating awarded by Bauer Financial, and the Bank has achieved this status for the past 78 consecutive quarters -- nearly 20 years!  Fewer than 10% of banks nation-wide can claim this distinction.  To earn this rating, banks must excel in areas such as capital adequacy and asset quality.