TellerScore

Headquartered in Centralia, Kansas, First Heritage Bank is a state-chartered bank with $303.4M in total assets and $280.1M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1882.

First Heritage Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 107th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (40/100, 9.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.05%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings81/100
Return on assets (annualized): 1.51%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 69.5% · 36.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (70 → 73), mostly because the loan quality component improved by 17 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202473
Q1 202575
Q2 202570
Q3 202569
Q4 202572
Q1 202674
Q2 202673
Tier 1 leverage ratio
5.00%7.48%9.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.96%
Q3 20249.82%
Q4 20249.24%
Q1 20259.87%
Q2 20259.67%
Q3 20259.30%
Q4 20259.28%
Q1 20269.23%
Q2 20269.05%
Noncurrent loans
0.00%0.25%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.02%
Q2 20250.50%
Q3 20250.42%
Q4 20250.23%
Q1 20260.07%
Q2 20260.00%
Return on assets
1.26%1.38%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.26%
Q3 20241.28%
Q4 20241.28%
Q1 20251.26%
Q2 20251.35%
Q3 20251.41%
Q4 20251.48%
Q1 20261.48%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$303.4M9.05%0.00%1.51%69.5%
Q1 202674$300.4M9.23%0.07%1.48%68.0%
Q4 202572$296.6M9.28%0.23%1.48%69.8%
Q3 202569$278.2M9.30%0.42%1.41%67.9%
Q2 202570$266.1M9.67%0.50%1.35%64.4%
Q1 202575$261.5M9.87%0.02%1.26%64.3%
Q4 202473$267.6M9.24%0.00%1.28%59.3%
Q3 202475$258.4M9.82%0.00%1.28%61.2%
Q2 202475$242.8M9.96%0.00%1.26%65.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.05%
13th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs-0.01%
89th
Return on assets1.51%
66th
Net interest margin3.54%
29th
Efficiency ratio54.4%
73rd
Loans to deposits69.5%
70th
Uninsured deposits36.6%
15th
Loan-loss reserves0.80%
11th
Texas ratio0.0%
95th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
SJN Bank of KansasBank Saint John, KS37 out of 100, Low$302.9M9.2%6.97%vs
Grant County BankBank Ulysses, KS69 out of 100, Moderate$298.3M13.3%2.07%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
First Kansas BankBank Hoisington, KS74 out of 100, Strong$294.4M8.3%0.00%vs
Centera BankBank Sublette, KS78 out of 100, Strong$318.1M9.6%0.01%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs

Deposit insurance

Is my money safe at First Heritage Bank?

Yes. First Heritage Bank is an FDIC-insured institution (FDIC certificate #4636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.6% of deposits ($102.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.05%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

First Heritage Bank lists 5 offices in 5 cities. Most locations:

  • Centralia, KS (1)
  • Corning, KS (1)
  • Lenexa, KS (1)
  • Seneca, KS (1)
  • Vermillion, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Heritage Bank reported 53 home-loan applications under HMDA (LEI 5493006ZMPVXXUIKYH60): 41 originated ($8,025,000 total), 4 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Heritage Bank
Former names
The First National Bank of Centralia
Type
State-chartered bank
FDIC certificate #
4636
RSSD ID
922157
Primary regulator
FDIC
Holding company
First Centralia Bancshares Inc
Established
April 18, 1882
Headquarters
620 4th St, Centralia, KS 66415
Employees
31

Quick answers

First Heritage Bank: common questions

Is First Heritage Bank FDIC insured?

Yes. First Heritage Bank is an FDIC-insured institution (FDIC certificate #4636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Heritage Bank's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Heritage Bank ever failed?

There is no failure record for FDIC certificate #4636 in the FDIC failed bank list.

How many branches does First Heritage Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Centralia

InstitutionScoreAssetsCapitalProblem loansCompare
The State Bank of BernBank Bern, KS95 out of 100, Very strong$128.2M17.3%0.00%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
The Farmers State BankBank Holton, KS83 out of 100, Strong$86.3M12.7%0.45%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
Western National BankBank Chester, NE74 out of 100, Strong$257.4M9.1%0.02%vs