FIRST HERITAGE BANK

SHENANDOAH, IA | Micro | Est. Jan. 1, 1903, midnight | FDIC #4457 | RSSD #618647 | FED
Latest Report: 2025-12-31

FIRST HERITAGE BANK is amn micro FDIC-insured commercial bank headquartered in SHENANDOAH, IA, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $58M. Profitability stands at 1.57% ROA and 16.50% ROE, with a net interest margin of 4.44%. The bank's CET1 capital ratio is 9.54%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #4457.

Assets

$70M

Deposits

$58M

Loans

$54M

Equity

$7M

Profitability

Return on Assets (ROA) 1.57%
Return on Equity (ROE) 16.50%
Net Interest Margin (NIM) 4.44%
Yield on Assets 6.44%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 9.54%
Tier 1 Capital 9.54%
Total Capital Ratio 10.01%
Leverage Ratio 9.85%
Loan-to-Deposit 93.31%

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