First Heritage Bank
Total assets
$303.4M
▲ +14.0% YoY
Deposits
$280.1M
▲ +13.3% YoY
Loans
$194.7M
▲ +22.4% YoY
Offices
5
FIRST CENTRALIA BANCSHARES INC
ROA (annualized)
1.51%
peers 1.24%
ROE (annualized)
21.98%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | First Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.0% | +4.4% | +9.7 pts |
| Deposit growth (YoY) | +13.3% | +4.0% | +9.4 pts |
| Loan growth (YoY) | +22.4% | +5.6% | +16.8 pts |
| ROA | 1.51% | 1.24% | +0.3 pts |
| ROE | 22.0% | 11.9% | +10.1 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1882
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST CENTRALIA BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 620 4th St, Centralia, KS, 66415
- County
- Nemaha
- Offices
- 5
- FDIC cert #
- 4636
- RSSD ID
- 922157
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $303.4M | $280.1M | $194.7M | $21.3M | $2.3M | 1.51% | 3.54% | 0.00% |
| Q1 2026 | $300.4M | $276.1M | $187.7M | $20.2M | $1.1M | 1.48% | 3.50% | 0.05% |
| Q4 2025 | $296.6M | $274.7M | $191.6M | $20.5M | $4.1M | 1.48% | 3.55% | 0.15% |
| Q3 2025 | $278.2M | $257.9M | $175.1M | $19.2M | $2.8M | 1.41% | 3.54% | 0.27% |
| Q2 2025 | $266.1M | $247.2M | $159.1M | $17.4M | $1.8M | 1.35% | 3.49% | 0.30% |
| Q1 2025 | $261.5M | $243.6M | $156.6M | $16.3M | $832K | 1.26% | 3.40% | 0.01% |
| Q4 2024 | $267.6M | $251.2M | $149.0M | $15.1M | $3.2M | 1.28% | 3.39% | 0.00% |
| Q3 2024 | $258.4M | $239.8M | $146.9M | $17.1M | $2.4M | 1.28% | 3.40% | 0.00% |
Loan mix (Q2 2026): real estate $113.8M · commercial $26.3M · consumer $2.0M · securities $84.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | First Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% | 28th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 62.9% | 25th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Astra BankScandia, KS · $423.3M
- The Union State Bank of EverestEverest, KS · $427.3M
- The Citizens State BankMarysville, KS · $442.4M
- Bank of the PlainsPlains, KS · $445.6M
- The Citizens State BankMoundridge, KS · $450.6M
- The Denison State BankHolton, KS · $453.6M
Selling to First Heritage Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.