First Heritage Bank
Centralia, KS
IDRSSD: 922157
Total Assets
$278.21M
Latest filing
Total Deposits
$257.89M
Latest filing
Net Interest Margin
3.68%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Heritage Bank
620 4th St
Centralia, KS 66415
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/18/1882FDIC Certificate 3074
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Heritage Bank (Main) | 620 4th St | Centralia, KS |
| VERMILLION BRANCH | 300 Main St | Vermillion, KS |
| SENECA BRANCH | 906 North St | Seneca, KS |
| CORNING BRANCH | 6501 Main St | Corning, KS |
| LENEXA, KS BRANCH | 17260 W 87th Street Pkwy | Lenexa, KS |
Showing 4 of 4
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/18/1882 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 66415 |
| State and County Number | 20131 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| 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 | 29 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.1hbank.com |
| Data Updated | 11/14/2025 |
| CERT | 4636 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $278.21M |
| Total Deposits | $257.89M |
| Total Liabilities | $259.00M |
| Total Equity Capital | $19.22M |
| Net Income | $1.05M |
| Net Loans and Leases | $175.12M |
| Assets Per Employee ($Millions) | $9.94M |
| Bank Premises and Fixed Assets | $4.44M |
| Cash and Balances due from Depository Institutions | $4.87M |
| Deposits Held in Domestic Offices | $257.89M |
Key Performance Ratios
| Return on Assets (ROA) | 1.55% |
| Return on Equity (ROE) | 23.01% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 56.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.908% |
| Earning Assets to total Assets | 94.17% |
Income and Expense
| Total Interest Income | $3.92M |
| Total Noninterest Income | $172.00k |
| Total Interest Expense | $1.57M |
| Total Noninterest Expense | $1.44M |
| Net Interest Income | $2.35M |
| Pre-tax Net Operating Income | $1.09M |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $7.66M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.11M |
| Total Liabilities and Capital | $278.21M |
Securities
| Securities | $79.16M |
| Available-for-sale debt securities | $79.10M |
| 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?
$278.21M as of the latest filing.
How much are First Heritage Bank's total deposits?
$257.89M in total deposits.
Where is First Heritage Bank located?
Centralia, KS.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
5.
When was it established?
04/18/1882.
What is the Return on Assets (ROA)?
1.55%.
How much are total loans and leases?
$175.12M (latest filing).
What is the total interest income (latest filing)?
$3.92M.