BanksFIRST HERITAGE BANK

FIRST HERITAGE BANK

SHENANDOAH, IAMicroEst. Jan. 1, 1903, midnightFDIC #4457RSSD #618647FED
Latest · 2025-12-31

FIRST HERITAGE BANK is an 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%. CET1 capital ratio: 9.54%. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$70M
Deposits
$58M
Loans
$54M
Equity
$7M

Profitability

Return on Assets (ROA)1.57%
Return on Equity (ROE)16.50%
Net Interest Margin4.44%
Yield on Assets6.44%
Cost of Funds2.04%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.18%

Capital & Liquidity

CET1 Ratio9.54%
Tier 1 Capital9.54%
Total Capital Ratio10.01%
Leverage Ratio9.85%
Loan-to-Deposit93.31%

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