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
Unfavorable gap of $5.1M · efficiency ratio beats 67% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 1.03% | 1.24% | 1.54% | Beats 49% | 50 / 98 | | |
| Return on Equity | 17.47% | 8.85% | 11.58% | 14.73% | Beats 89% | 11 / 98 | | |
| Net Interest Margin | 3.12% | 3.24% | 3.62% | 3.91% | Beats 17% | 81 / 98 | | |
| Efficiency Ratio | 54.36% | 51.87% | 58.88% | 64.74% | Beats 67% | 33 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 100% | 17 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 57% | 43 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 9.05% | 11.81% | 13.71% | 17.33% | Beats 1% | 97 / 98 | | |
| Total Risk-Based Capital Ratio | 9.05% | 11.81% | 14.13% | 17.45% | Beats 1% | 97 / 98 | | |
| Equity / Assets | 7.01% | 8.60% | 11.34% | 13.10% | Beats 10% | 88 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.06% | 57.09% | 69.84% | 82.47% | 52nd pctl | 47 / 98 | | |
| Loans / Assets | 64.67% | 49.34% | 58.31% | 68.94% | 62nd pctl | 37 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |