First Heritage Bank: how it compares with its peers
Against 80 KS banks with half to twice its assets, First Heritage Bank's strongest measure in Q2 2026 is assets per employee ($9.8M vs. a $6.8M peer median). Its weakest relative measure is net interest margin (3.54% vs. 4.04%).
| Measure | First Heritage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.47% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.54% | 4.04% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.36% | 58.90% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.8M | $6.8M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.50% | 78.96% | Context |
What it means for lending operations
Its efficiency ratio of 54.36% is better than the 58.90% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- SJN Bank of Kansas Saint John, KS · $303M
- Grant County Bank Ulysses, KS · $298M
- Kaw Valley State Bank and Trust Company Wamego, KS · $296M
- First Kansas Bank Hoisington, KS · $294M
- Centera Bank Sublette, KS · $318M
- Vintage Bank Kansas Leon, KS · $289M
Questions about First Heritage Bank
How big is First Heritage Bank?
First Heritage Bank, established in 1882, is headquartered in Centralia, KS. It reported $303M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Heritage Bank's return on assets?
1.51% annualized in Q2 2026, against a 1.47% median for 80 KS banks with half to twice its assets, ahead of 53% of them.
What is First Heritage Bank's efficiency ratio?
54.36% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 58.90%, and lower is better.
Is First Heritage Bank growing its loans?
Net loans grew 22.4% over the year to Q2 2026, while deposits grew 13.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.