Total Assets
$297M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$275M
Customer-funded liabilities
Net Loans
$192M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
22.93%
Efficiency Ratio
57.54%
What the numbers say about First Heritage Bank
First Heritage Bank is an FDIC-insured institution (Certificate #4636) headquartered in Centralia, Kansas, established in 1882. It holds $297M in total assets - 2,502nd of 4,313 FDIC-insured banks, $275M in customer deposits, and $192M in net loans. Looking at capital strength, Tier 1 stands at 9.28%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.98%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, First Heritage Bank ranks 72nd of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Kansas by total assets
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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Heritage Bank's health grade?▼
First Heritage Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is First Heritage Bank?▼
First Heritage Bank holds $297M in total assets and $275M in deposits, ranking 2,502nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Centralia, Kansas.
Is my money safe at First Heritage Bank?▼
Yes, deposits at First Heritage Bank (Certificate #4636) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Heritage Bank's Tier 1 Capital Ratio?▼
First Heritage Bank has a Tier 1 Capital Ratio of 9.28%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First Heritage Bank?▼
First Heritage Bank has a Texas Ratio of 1.98%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Heritage Bank?▼
First Heritage Bank has an Efficiency Ratio of 57.54%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Heritage Bank's profile as a depositor or analyst.
- First Heritage Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Heritage Bank against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.