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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 $1.9MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $242.7M13%Noninterest $37.4MQ3 2024Q2 2026

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 1.26%, up 8 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (-50 bps YoY), with net recoveries of 0.03%.
  • 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.

Return on Assets (quarter, annualized)

1.26%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.17%-1 bps YoY

Efficiency Ratio (quarter, annualized)

54.40%-385 bps YoY

Tier 1 Leverage Ratio

9.05%-62 bps YoY

NIM

5.38%Q2 ’245.31%Q2 ’255.24%Q2 ’26+2%0%

Non-interest income vs. expense

1.77%Q2 ’241.98%Q2 ’251.83%Q2 ’26+20%-7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%0.99%1.02%1.19%1.25%1.36%1.22%1.26%+8 bps
Return on Equity17.29%16.09%17.24%18.59%18.67%19.61%17.83%18.39%-20 bps
Net Interest Margin3.09%2.93%3.15%3.18%3.18%3.22%3.18%3.17%-1 bps
Efficiency Ratio62.08%64.51%62.11%58.25%56.85%53.64%54.33%54.40%-385 bps
Non-Interest Burden1.80%1.78%1.86%1.75%1.70%1.59%1.63%1.63%-12 bps
Growth
Asset Growth (YoY)13.86%7.95%7.61%9.59%7.69%10.86%14.89%14.03%+444 bps
Loan Growth (YoY)3.50%3.84%5.56%6.73%19.03%28.32%19.71%22.18%+1,545 bps
Deposit Growth (YoY)11.59%7.97%7.06%8.82%7.52%9.38%13.37%13.30%+447 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.02%0.50%0.42%0.23%0.07%0.00%-50 bps
Net Charge-Offs / Loans-0.02%-0.02%-0.04%0.00%0.03%0.00%0.00%-0.03%-2 bps
Allowance / Loans1.00%1.00%0.96%0.94%0.85%0.78%0.81%0.80%-14 bps
Allowance Coverage of NPLsn/an/a40.9x1.9x2.0x3.4x11.2xn/an/a
Capital
Tier 1 Leverage Ratio9.82%9.24%9.87%9.67%9.30%9.28%9.23%9.05%-62 bps
Total Risk-Based Capital9.82%9.24%9.87%9.67%9.30%9.28%9.23%9.05%-62 bps
Equity / Assets6.63%5.63%6.24%6.52%6.91%6.91%6.72%7.01%+49 bps
Liquidity & Funding
Loans / Deposits61.87%59.93%64.90%64.97%68.49%70.31%68.53%70.06%+509 bps
Liquid Assets / Assets0.02%0.02%0.02%0.02%0.02%0.36%0.36%0.36%+34 bps
CRE / Total Capitaln/an/an/an/a193.68%201%185.12%n/an/a