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First Heritage Bank
Centralia, KS · FDIC Certificate #4636 · Chartered 04/1
Total assets
$303.43M
Total deposits
$280.07M
Total equity
$21.28M
Net loans
$194.65M
Branches (offices)
5
Net income (YTD)
$2.27M
Rank: #2,451 of 4,213 U.S. banks by assets · #69 of 183 in Kansas. Assets changed 14.0% and deposits 13.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 21.98% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 7.01% |
| Tier 1 leverage ratio | 9.05% |
| Uninsured deposits (share of deposits) | 36.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 69.5% |
| Real estate loans (share of loans) | 58.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $113.76M | 58.4% | |
| Commercial & industrial | $26.33M | 13.5% | |
| Consumer / individual | $2.03M | 1.0% | |
| Construction & development | $5.20M | 2.7% | |
| Agricultural | $47.75M | 24.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $213.76M | $197.98M | $1.43M | $13.39M |
| Jun 2023 | $222.97M | $207.31M | $1.34M | $12.56M |
| Jun 2024 | $242.81M | $227.15M | $1.54M | $14.32M |
| Jun 2025 | $266.10M | $247.20M | $1.79M | $17.35M |
| Jun 2026 | $303.43M | $280.07M | $2.27M | $21.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $280.07M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $280.07M.
Similar-sized banks
Tompkins State Bank ($303.48M) · Citizens National Bank At Brownwood ($303.41M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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