PackageTrendsPeer
Letter portraitLegal landscape

First Heritage Bank

Centralia, KS · Cert 4636 · First Centralia Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

4

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

98

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Heritage Bank

Centralia, KS · Cert 4636 · First Centralia Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$303.4MAssets
$196.2MLoans
$280.1MDeposits
$21.3MEquity
Loan mix
79%RE $104.8M19%C&I $25.1M1%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $242.7M13%Noninterest $37.4MQ2 2025Q2 2026

NIM

5.22%Q2 ’245.22%Q2 ’255.15%Q2 ’26+4%+0%

Non-interest income vs. expense

2.04%Q2 ’242.00%Q2 ’251.80%Q2 ’26+2%-10%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.0% share · #102 of 114 inst. · $0.0B of $99.1B

20.5% Nemaha
0.1% Johnson
1.7% Marshall

Executive Summary

  • Earnings: ROA of 1.24%, up 14 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (-50 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 9.05%, down 62 bps from a year ago.
  • Funding: loans stand at 70.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+1 bps YoY

Efficiency Ratio (YTD, annualized)

54.36%-577 bps YoY

Tier 1 Leverage Ratio

9.05%-62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.15%1.20%1.22%1.24%+14 bps
Return on Equity17.95%18.14%18.62%17.83%18.00%+5 bps
Net Interest Margin3.10%3.02%3.01%3.18%3.12%+1 bps
Efficiency Ratio60.13%58.98%57.54%54.33%54.36%-577 bps
Non-Interest Burden1.77%1.69%1.63%1.63%1.60%-17 bps
Growth
Asset Growth (YoY)9.59%7.69%10.86%14.89%14.03%+444 bps
Loan Growth (YoY)6.73%19.03%28.32%19.71%22.18%+1,545 bps
Deposit Growth (YoY)8.82%7.52%9.38%13.37%13.30%+447 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.42%0.23%0.07%0.00%-50 bps
Net Charge-Offs / Loans-0.02%0.00%0.00%0.00%-0.01%+1 bps
Allowance / Loans0.94%0.85%0.78%0.81%0.80%-14 bps
Allowance Coverage of NPLs1.9x2.0x3.4x11.2xn/an/a
Capital
Tier 1 Leverage Ratio9.67%9.30%9.28%9.23%9.05%-62 bps
Total Risk-Based Capital9.67%9.30%9.28%9.23%9.05%-62 bps
Equity / Assets6.52%6.91%6.91%6.72%7.01%+49 bps
Liquidity & Funding
Loans / Deposits64.97%68.49%70.31%68.53%70.06%+509 bps
Liquid Assets / Assets0.02%0.02%0.36%0.36%0.36%+34 bps
CRE / Total Capitaln/a193.68%201%185.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Heritage Bank

Centralia, KS · Cert 4636 · Peer group: banks under $1B in assets in KS (n=98) · First Centralia Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$303.4MAssets
$196.2MLoans
$280.1MDeposits
$21.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 17 of 98).
  • Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in KS (rank 97 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.23%

Rank 50 of 98

Net Interest Margin

3.12%

Rank 81 of 98

Efficiency Ratio

54.36%

Rank 33 of 98

Equity / Assets

7.01%

Rank 88 of 98

Non-interest income vs. expense

$0.6M$5.8MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 67% of banks under $1B in assets in KS
Bank 54.36%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%1.03%1.24%1.54%Beats 49%50 / 98
Return on Equity17.47%8.85%11.58%14.73%Beats 89%11 / 98
Net Interest Margin3.12%3.24%3.62%3.91%Beats 17%81 / 98
Efficiency Ratio54.36%51.87%58.88%64.74%Beats 67%33 / 98
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.33%1.05%Beats 100%17 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 57%43 / 98
Capital
Tier 1 Capital Ratio9.05%11.81%13.71%17.33%Beats 1%97 / 98
Total Risk-Based Capital Ratio9.05%11.81%14.13%17.45%Beats 1%97 / 98
Equity / Assets7.01%8.60%11.34%13.10%Beats 10%88 / 98
Liquidity & Funding
Loans / Deposits70.06%57.09%69.84%82.47%52nd pctl47 / 98
Loans / Assets64.67%49.34%58.31%68.94%62nd pctl37 / 98
Brokered Deposits / Depositsn/aNot reported for this institution