First Heritage Bank
Shenandoah, IA · Cert 4457 · Peer group: banks under $1B in assets in IA (n=134-135) · First National Bcorp
State charter, Fed member · FED · 2 branches
Q2 2026
$72.1MAssets
$55.9MLoans
$59.9MDeposits
$7.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in IA (rank 125 of 135).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.47%
Rank 35 of 135
Net Interest Margin
4.09%
Rank 13 of 135
Efficiency Ratio
51.82%
Rank 39 of 135
Equity / Assets
9.66%
Rank 105 of 135
Non-interest income vs. expense
Unfavorable gap of $1.5M · efficiency ratio beats 72% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.92% | 1.19% | 1.47% | Beats 74% | 35 / 135 | | |
| Return on Equity | 15.23% | 7.99% | 10.26% | 13.14% | Beats 87% | 17 / 135 | | |
| Net Interest Margin | 4.09% | 2.95% | 3.41% | 3.73% | Beats 90% | 13 / 135 | | |
| Efficiency Ratio | 51.82% | 50.61% | 57.35% | 63.29% | Beats 72% | 39 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 10.21% | 11.23% | 13.31% | 15.45% | Beats 10% | 122 / 135 | | |
| Total Risk-Based Capital Ratio | 10.21% | 11.61% | 14.06% | 16.47% | Beats 7% | 125 / 135 | | |
| Equity / Assets | 9.66% | 9.87% | 11.05% | 13.07% | Beats 22% | 105 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.35% | 68.54% | 81.55% | 91.24% | 78th pctl | 30 / 134 | | |
| Loans / Assets | 77.49% | 57.61% | 68.06% | 76.23% | 79th pctl | 29 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |