FDIC Cert #4636 · Centralia, Kansas · Est. 1882

First Heritage Bank - FDIC Bank Health Profile

A community-scale look at First Heritage Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$297M
Total assets
B
Health grade · Good
1.48%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

First Heritage Bank earns a PlainBankData health grade of B (70/100), with 9.28% Tier 1 capital, profitable at 1.48% ROA, efficient (58% cost ratio).

#2,502
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
9.28%
Tier 1 ratio - below the 10% well-capitalized line
73rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 4636 · KS B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3029/4307
  • PHOTO-FINISH Mountain Commerce Bank · TN
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-STRONG 1.48% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Mountain Commerce Bank, TN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Heritage Bank

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank Midwest · IA · near70/100First Heritage Bank · KS · t…70/100Mountain Commerce Bank · TN …70/100The First National B… · MN ·…70/100The Idabel National… · OK · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Heritage Bank · July 2026

Call Report read for First Heritage Bank in a high-failure state

First Heritage Bank (FDIC Cert #4636) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,029 of 4,307. Tier 1 capital prints at 9.28%, missing the 10% well-capitalized line. The Texas Ratio is 1.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.48%. Balance-sheet scale is $297M, 2,502nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mountain Commerce Bank (TN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Heritage Bank

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

First Heritage Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about First Heritage Bank's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How First Heritage Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
First Heritage Bank's composite health score
Tier 1 Capital Ratio (9.28%) 18/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (1.98%) 20/20
Efficiency Ratio (57.54%) 12/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$297M

Total balance-sheet footings

Total Deposits

$275M

Customer-funded liabilities

Net Loans

$192M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.88% 9.28% 10.68%
Basel III capital ratios - First Heritage Bank

Where First Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Heritage Bank's score of 70/100 falls in the highlighted band.

First Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 30th percentile higher than 30% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Heritage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Heritage Bank's $297M falls in the highlighted band.

Capital & credit buffers at First Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

9.28% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.28%
Texas Ratio
1.98%
Equity Capital
$21M

What these ratios mean →

Earnings posture at First Heritage Bank

Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
22.93%
Efficiency Ratio
57.54%

What these mean →

Income & expense at First Heritage Bank

$15M
Interest Income
$708K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Heritage Bank reports a Texas Ratio of 1.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Heritage Bank on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($297M here), outside Kansas so the neighborhood is not state containment.

Farmers Savings Bank $296M · IA Goppert Financial Bank $296M · MO First National Bank Of Commerce $297M · AR Redstone Bank $296M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Heritage Bank (FDIC Cert #4636) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Heritage Bank Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%