First Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Heritage Bank of Shenandoah, IA against its peer group of 504 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.80% | 3.13% | -1.33% | 79th top |
| ROAE | 18.48% | 10.28% | +8.20% | 89th top |
| Net Interest Margin | 4.24% | 3.94% | +0.30% | 65th above |
| Efficiency Ratio | 52.33% | 76.36% | -24.03% | 84th top |
| PPNR / Avg Assets | 2.01% | 1.40% | +0.61% | 79th top |
| Yield on Earning Assets | 6.04% | 5.35% | +0.69% | 78th top |
| Cost of Funds | 2.10% | 1.70% | +0.40% | 24th bottom |
| Net Interest Spread | 3.69% | 3.32% | +0.37% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.23% | 1.49% | -0.26% | 48th below |
| Texas Ratio | 0.00% | 8.29% | -8.29% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.21% | 17.66% | -7.45% | 21st bottom |
| Equity / Assets | 9.66% | 16.46% | -6.80% | 23rd bottom |
| TCE / Tangible Assets | 9.66% | 16.20% | -6.54% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.35% | 72.80% | +20.55% | 15th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.18% | 88.28% | +0.90% | 37th below |
| Wholesale Funding Ratio | 6.93% | 5.18% | +1.75% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.79% | 4.25% | -0.46% | 56th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.96% | 6.76% | -0.80% | 65th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.15% | 3.72% | -0.57% | 56th above |
See First Heritage Bank's peers by name
The 504 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Heritage Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Heritage Bank profile, how to read a UBPR, or how this data updates.