FIRST HERITAGE BANK
FIRST HERITAGE BANK is an FDIC-insured commercial bank headquartered in SHENANDOAH, IA, established in 1903. As of , 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 4.12%. CET1 capital ratio: 9.54%. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
First Heritage Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 9.54% | 1.57% | 0.00% | 0.00% | 4.12% |
| 2025-09-30 | 9.50% | 1.80% | 0.00% | 0.00% | 4.07% |
| 2025-06-30 | 8.80% | 1.48% | 0.00% | 0.00% | 3.83% |
| 2025-03-31 | 8.37% | 1.32% | 0.00% | 0.00% | 3.52% |
| 2024-12-31 | 12.25% | 0.99% | 0.00% | 0.00% | 3.55% |
| 2024-09-30 | 12.36% | 1.22% | 0.00% | 0.00% | 3.47% |
| 2024-06-30 | 12.41% | 0.85% | 0.00% | 0.00% | 3.24% |
| 2024-03-31 | 12.63% | 0.83% | 0.00% | 0.00% | 3.24% |
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Frequently asked about FIRST HERITAGE BANK
What are First Heritage Bank's total assets?
As of the Q4 2025 filing, First Heritage Bank reported total assets of $69.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Heritage Bank headquartered?
First Heritage Bank is headquartered in SHENANDOAH, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Heritage Bank founded?
First Heritage Bank was established in 1903, per the FDIC institution directory.
Is First Heritage Bank FDIC-insured?
Yes. First Heritage Bank is an FDIC-insured commercial bank (FDIC Certificate #4457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Heritage Bank?
First Heritage Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Heritage Bank's CET1 capital ratio?
First Heritage Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.54% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does First Heritage Bank operate?
First Heritage Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Heritage Bank's Texas Ratio?
First Heritage Bank's Texas Ratio is 0.00% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.