FIRST HERITAGE BANK

CENTRALIA, KS | Small | Est. April 18, 1882, midnight | FDIC #4636 | RSSD #922157 | FDIC
Latest Report: 2025-12-31

FIRST HERITAGE BANK is asn small FDIC-insured commercial bank headquartered in CENTRALIA, KS, established in April 18, 1882, midnight. As of 2025-12-31, the bank reported total assets of $297M and total deposits of $275M. Profitability stands at 1.68% ROA and 24.37% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 6.56%. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.87%. FDIC Certificate #4636.

Assets

$297M

Deposits

$275M

Loans

$193M

Equity

$21M

Profitability

Return on Assets (ROA) 1.68%
Return on Equity (ROE) 24.37%
Net Interest Margin (NIM) 3.69%
Yield on Assets 6.13%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.87%
NPA Ratio 0.14%
ACL / Loans 0.78%

Capital & Liquidity

CET1 Ratio 6.56%
Tier 1 Capital 6.56%
Total Capital Ratio 6.89%
Leverage Ratio 9.28%
Loan-to-Deposit 70.31%

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