First Heritage Bank
Shenandoah, IA
IDRSSD: 618647
Total Assets
$68.57M
Latest filing
Total Deposits
$56.77M
Latest filing
Net Interest Margin
4.10%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Heritage Bank
801 S Fremont St
Shenandoah, IA 51601
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1903FDIC Certificate 2945
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Heritage Bank (Main) | 801 S Fremont St | Shenandoah, IA |
| FARRAGUT BRANCH | 612 Hartford Ave | Farragut, IA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1903 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51601 |
| State and County Number | 19145 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 9 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fhbshen.com |
| Data Updated | 11/14/2025 |
| CERT | 4457 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $68.57M |
| Total Deposits | $56.77M |
| Total Liabilities | $62.05M |
| Total Equity Capital | $6.52M |
| Net Income | $310.00k |
| Net Loans and Leases | $52.92M |
| Assets Per Employee ($Millions) | $7.62M |
| Bank Premises and Fixed Assets | $771.00k |
| Cash and Balances due from Depository Institutions | $2.08M |
| Deposits Held in Domestic Offices | $56.77M |
Key Performance Ratios
| Return on Assets (ROA) | 1.8% |
| Return on Equity (ROE) | 19.63% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 50.58% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.504% |
| Earning Assets to total Assets | 92.96% |
Income and Expense
| Total Interest Income | $1.00M |
| Total Noninterest Income | $24.00k |
| Total Interest Expense | $335.00k |
| Total Noninterest Expense | $350.00k |
| Net Interest Income | $668.00k |
| Pre-tax Net Operating Income | $322.00k |
| Provision for Credit Losses | $20.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $23.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $279.00k |
| Total Liabilities and Capital | $68.57M |
Securities
| Securities | $10.65M |
| Available-for-sale debt securities | $10.65M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Heritage Bank?
$68.57M as of the latest filing.
How much are First Heritage Bank's total deposits?
$56.77M in total deposits.
Where is First Heritage Bank located?
Shenandoah, IA.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1903.
What is the Return on Assets (ROA)?
1.8%.
How much are total loans and leases?
$52.92M (latest filing).
What is the total interest income (latest filing)?
$1.00M.