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 Centralia, KS against its peer group of 2757 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 | 1.45% | 1.25% | +0.20% | 60th above |
| ROAE | 22.46% | 12.22% | +10.24% | 92nd top |
| Net Interest Margin | 3.30% | 3.95% | -0.65% | 19th bottom |
| Efficiency Ratio | 53.58% | 63.71% | -10.13% | 73rd above |
| PPNR / Avg Assets | 1.53% | — | — | 45th below |
| Yield on Earning Assets | 5.42% | 5.67% | -0.25% | 40th below |
| Cost of Funds | 2.21% | 1.87% | +0.34% | 25th below |
| Net Interest Spread | 2.65% | — | — | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.88% | -0.88% | 94th top |
| NPA / Total Assets | 0.00% | — | — | 94th top |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 0.80% | — | — | 10th bottom |
| Texas Ratio | 0.00% | 5.96% | -5.96% | 94th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.05% | 11.75% | -2.70% | 13th bottom |
| Equity / Assets | 7.01% | 10.98% | -3.97% | 6th bottom |
| TCE / Tangible Assets | 6.84% | — | — | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.06% | 80.44% | -10.38% | 70th above |
| Core Deposit Ratio | 77.46% | 86.95% | -9.49% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.03% | — | — | 90th top |
| Loan Growth (Y/Y) | 22.18% | — | — | 94th top |
| Deposit Growth (Y/Y) | 13.30% | — | — | 89th top |
See First Heritage Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Heritage Bank peer analysis.