Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Centralia, KS · FDIC certificate #4636
FIRST HERITAGE BANK is an FDIC-insured institution based in Centralia, KS (FDIC certificate #4636). In its Q3 2026 Call Report it reported total assets of $303M, total deposits of $282M and net loans of $198M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST HERITAGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $303M in Q2 2026 and were lowest at $300M in Q1 2026.
Total deposits were highest at $282M in Q3 2026 and lowest at $276M in Q1 2026.
Over the whole period total assets rose 0.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $303M | $282M | $198M | 1.51% | 22.49% | 3.59% |
| Q2 2026 | $303M | $280M | $195M | 1.51% | 21.98% | 3.54% |
| Q1 2026 | $300M | $276M | $188M | 1.48% | 21.75% | 3.50% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.5M | $5.8M | -$343K | -5.9% |
| Federal funds sold | $6.5M | $11.7M | -$5.2M | -44.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $84.5M | $83.2M | +$1.3M | +1.6% |
| Equity securities with readily determinable fair values, not held for trading | $72K | $59K | +$13K | +22.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $194.7M | $187.7M | +$6.9M | +3.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.3M | $4.3M | -$4K | -0.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $559K | $559K | $0K | 0.0% |
| All other assets | $7.3M | $7.1M | +$266K | +3.8% |
| Total assets | $303.4M | $300.4M | +$3.0M | +1.0% |
| Liabilities | ||||
| Total deposits | $280.1M | $276.1M | +$3.9M | +1.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $4.1M | -$2.1M | -49.8% |
| Total liabilities | $282.1M | $280.3M | +$1.9M | +0.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $600K | $600K | $0K | 0.0% |
| Surplus | $6.8M | $6.8M | $0K | 0.0% |
| Retained earnings | $22.1M | $21.6M | +$501K | +2.3% |
| Accumulated other comprehensive income | -$8.2M | -$8.8M | +$592K | +6.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.3M | $20.2M | +$1.1M | +5.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $136K | -$136K | -100.0% |
| Adjusted nonperforming assets | $0K | $136K | -$136K | -100.0% |
| Tangible equity plus allowance | $22.3M | $21.2M | +$1.1M | +5.4% |
| Texas ratio (gross) | 0.00% | 0.64% | -0.64 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.64% | -0.64 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.64% | -0.64 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.05% | 9.23% | -0.19 pts | See points |
| Construction and land loans to total capital | 17.01% | 11.57% | +5.44 pts | See points |
| Commercial real estate to total capital | 129.13% | 102.29% | +26.84 pts | See points |
| Dividend payout, year to date | 62.20% | 67.63% | -5.43 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -29.66% | -32.35% | +2.69 pts | See points |
| Liquidity | ||||
| Core deposits | $186.0M | $188.2M | -$2.2M | -1.2% |
| Non-core funding | $94.1M | $87.9M | +$6.2M | +7.0% |
| Loans to core deposits | 105.51% | 100.54% | +4.97 pts | See points |
| Loans to deposits | 70.06% | 68.53% | +1.53 pts | See points |
| Brokered deposits share of deposits | 19.77% | 18.25% | +1.52 pts | See points |
| Pledged securities share of securities | 51.17% | 51.97% | -0.80 pts | See points |
| Loans pledged, share of loans | 37.55% | 41.53% | -3.98 pts | See points |
| Volatile liabilities | $97.3M | $91.1M | +$6.2M | +6.8% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.2M | +$1.2M | +102.9% |
| Earnings before provision, single quarter | $1.2M | $1.2M | +$35K | +2.9% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 6.96% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 5.24% | 5.26% | -0.02 pts | See points |
| Cost of interest-bearing transaction accounts | 1.54% | 1.51% | +0.03 pts | See points |
| Cost of savings and money market deposits | 1.46% | 1.58% | -0.11 pts | See points |
| Cost of time deposits | 3.73% | 3.76% | -0.03 pts | See points |
| Total interest expense to average assets | 2.07% | 2.08% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $303M | $282M | $198M | 1.51% | 22.49% | 3.59% |
| 2026-06-30 | $303M | $280M | $195M | 1.51% | 21.98% | 3.54% |
| 2026-03-31 | $300M | $276M | $188M | 1.48% | 21.75% | 3.50% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $247.2M | 0.24% | 88 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.