First Heritage Bank (Centralia, KS)
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Data as of · sourced from FFIEC call reports. How we update
First Heritage Bank is an FDIC-insured commercial bank headquartered in Centralia, KS, established in 1882 (FDIC certificate 4636), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $303.4M, up 14.0% from Q2 2025, the 69th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.05% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4636
- Headquarters
- Centralia, KS
- Established
- 1882
- Total assets, Q2 2026
- $303.4M
- Assets vs Q2 2025
- +14.0%
- Tier 1 leverage ratio, Q2 2026
- 9.05%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101104863
- Latest call report
- Q2 2026, FFIEC 051 · First Heritage Bank call report
- Holding company
- FIRST CENTRALIA BANCSHARES, INC.
- Asset rank in state
- 69th of 182 in Kansas
First Heritage Bank is one of the more profitable banks of its size. The Centralia, Kansas bank had $303 million in assets at June 30, 2026, up 14.0% from a year earlier. It returns 22.5% a year on shareholders' equity, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 12.6%). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.7%).
Loans are outrunning deposits: over the year loans rose 22.2% and deposits rose 13.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $8.6 million equal 30% of Tier 1 capital, down from 40% a year earlier. Where it has less room is capital: it funds 9.05% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First Heritage Bank reported a return on assets of 1.45%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, First Heritage Bank is the 69th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.0% to $303.4M, loans rose 3.7% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 24.3% of total loans, ahead of farmland and other real estate loans at 16.2%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in KS; its Centralia office books 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Heritage Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 620 4th St, Centralia, KS 66415
- County
- Nemaha
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 18, 1882
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 31
- Domestic deposits
- $280.1M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $320.8M
- Average total loans
- $191.4M
- Average interest-bearing deposits
- $262.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4636
- Fed RSSD
- 922157
- Website
- www.1hbank.com →
- Parent Holding Company
- FIRST CENTRALIA BANCSHARES, INC. (RSSD 1067916)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Heritage Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Heritage Bank's total assets moved between a low of $226.9M (Q3 2023) and a high of $303.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$303.4M total assets against $266.1M; $282.1M total liabilities against $248.7M.
$194.7M net loans and leases against $159.1M; $280.1M total deposits against $247.2M.
$84.6M securities against $80.9M; $11.9M cash and balances due against $15.0M.
$4.2M total interest income against $3.7M; $1.7M total interest expense against $1.5M.
$2.5M net interest income against $2.2M.
$157K total noninterest income against $165K; $1.5M total noninterest expense against $1.4M.
$30K provision for credit losses against $0.
$1.2M net income against $962K.
1.45% return on assets against 1.37%; 3.30% net interest margin against 3.37%.
9.05% tier 1 leverage ratio against 9.67%.
Inside the full First Heritage Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Heritage Bank rankings
Its closest position to the top of a national ranking is 1,113 of 3,606, for efficiency ratio; its furthest is 3,472 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q4 2024) to 1.59% (Q4 2025) and its net interest margin ran from 3.12% (Q4 2024) to 3.43% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.05% | 1.45% | 0.00% | 0.00% | 3.30% |
| Q1 2026 | 9.23% | 1.43% | 0.07% | 0.64% | 3.29% |
| Q4 2025 | 9.28% | 1.59% | 0.23% | 2.03% | 3.43% |
| Q3 2025 | 9.30% | 1.42% | 0.42% | 0.30% | 3.38% |
| Q2 2025 | 9.67% | 1.37% | 0.50% | 0.60% | 3.37% |
| Q1 2025 | 9.87% | 1.23% | 0.02% | 0.21% | 3.36% |
| Q4 2024 | 9.24% | 1.19% | 0.00% | 0.00% | 3.12% |
| Q3 2024 | 9.82% | 1.26% | 0.00% | 0.00% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Heritage Bank (main office) | Centralia , KS | 66415 | $183.2M |
| Seneca Branch | Seneca , KS | 66538 | $42.2M |
| Lenexa, Ks Branch | Lenexa , KS | 66219 | $26.8M |
| Corning Branch | Corning , KS | 66417 | $15.5M |
| Vermillion Branch | Vermillion , KS | 66544 | $12.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 28, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 2009 | Structure Change | Acquired Vermillion State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 3, 2006 | Structure Change | Acquired The Farmers State Bank of Corning Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 13, 1990 | Structure Change | Acquired Peoples Heritage Savings, a Federal Savings and Loan Associatin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 83 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 53 applications, 41 loans originated, $8.0M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $600K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Heritage Bank
What are First Heritage Bank's total assets?
As of the Q2 2026 filing, First Heritage Bank reported total assets of $303.4 million in its FFIEC call report.
Where is First Heritage Bank headquartered?
It is headquartered in Centralia, KS, United States.
When was First Heritage Bank founded?
It was established in 1882, per the FDIC institution directory.
Is First Heritage Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4636). 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 FDIC.
How many branches does First Heritage Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Heritage Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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