# FIRST HERITAGE BANK
CENTRALIA, KS · FDIC certificate 4636 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $303.4M | |
| Deposits | $280.1M | |
| Loans and leases | $196.2M | |
| Total equity | $21.3M | |
| Loans / deposits | 69.50% (p25 of band) | 82.04% |
| Liquid assets / assets | 31.81% (p68 of band) | |
| Uninsured deposits / deposits | 36.64% (p82 of band) | 25.97% |
| Brokered deposits | 18.25% | |
| Wholesale funding | 18.25% (p92 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.05% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -40.72% (p7 of band) | -8.10% |
| AOCI / equity | -0.39% (p47 of band) | |
| ROA (annualized) | 1.51% (p65 of band) | 1.28% |
| Net interest margin | 3.54% (p29 of band) | 3.91% |
| Efficiency ratio | 54.36% (p29 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 58% | |
| Construction % of loans | 24.41% (p30 of band) | |
| Auto loans | $1.2M (0.60% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 1 | capital falling | deposits shrinking |
| 2015-09 | 2 | wholesale funding >15% |  |
| 2015-12 | 2 | uninsured deposits leaving | capital falling |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 3 | brokered >10% |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 4 | uninsured deposits leaving |  |
| 2019-06 | 2 |  | brokered >10%, uninsured deposits leaving |
| 2019-09 | 1 | brokered >10% | wholesale funding >15%, capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | uninsured deposits leaving | brokered >10% |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | uninsured deposits leaving |
| 2022-06 | 4 | brokered >10%, securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 4 | wholesale funding >15% | assets shrinking |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, wholesale funding >15% |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 3 | AOCI drag >20% of equity | capital falling |
| 2023-12 | 3 | wholesale funding >15% | AOCI drag >20% of equity |
| 2024-03 | 3 | capital falling | wholesale funding >15% |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 3 | wholesale funding >15% |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 3 |  | capital falling |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-11 [Bachman family passes leadership torch at First Heritage Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUVFVLV9KeWxtNWV0TEM5TmJ6WDFEZXNQYTdUVE5PSHZpM2V1cGRzN255dzl0ZFNULTRvRGlDMTFKS3FSUlVBaVhGdHV0NDdkeDZCYmVxZk5PbDVIYmpsREE2a3NFV0I5NlBYdGNKUTI0QXYxQjdDa1JKV0pmZWNlMHVwZXdFdU5zVFM0Z1NnZkhSUV84TUZ1dHp5Qkt4azNDaER2aXBR?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2021-04-07 [First Heritage Bank sees long-term, full-service future in KC market - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVWoyV0tSRjZjYUlGR24zemstemo3WGphMnNHQ3pSaTloTHg5YjQ2dUxJeVlaTVV5ZTNHTnY2ZldyeTFqVGpXVlJnRkdlT2Z5dDhVNWVhQ1FnYkFQeU9rMk83NEY1eVZtMHF3dDZmUVBTYmxSUnROVDQ0YnQtUzU5c1UxOERoM3Q2Ny05czZYcU1GeTBCSGRUWUJENnRIYjNfWWc?oc=5) · The Business Journals
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2017-11-30 [Rex Flentie Obituary Nov 30, 2017 - popkessmortuary.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBMODNWdG1LR0kwUExaZXlPVFZTM0lmTVA5TmwtZlUtMW5MWUk4TXYxckFvLTU5UHpoYjU0UTI3MnRPOXBVd3lVZ2g5bERUR3EyN3Q3aGNlTlF0ZGNGUnBfYW56dkk?oc=5) · popkessmortuary.com
- 2026-03-31 [Here are KC area's 10 banks with the fastest percentage loan growth in 2025 - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMkR4eGp5djZFdEN3VDNKdWNVNkVYY3dQYllobFp5bTc0MXJiLXQxN1pVUE5fOEhwTncwSFV1Mk9iUTAzNnRyR0FlOW93LUE0aUpSZXVGZGNTLU8xc0hGd1BLTGNjSjVhSk5zRWJ3Q2FRTWIxQi1zTDZ4cVBVWEV3R0o3dEJhQnZqaUhvT3ZQM24xV1A2cWhSbUluUmo5aDJUNjV0dWVkWThxQWww?oc=5) · The Business Journals
- 2025-04-02 [These are the Kansas City area's five strongest midsize banks - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOZkJNb2VMd09oS1lsWDBwcFhiTmRaR2dVXzRwMkhiZTFhWkRidFdkd0pKX29VN2FFeGdkcVFLQW0wZ0I4T0JsNEZSLU1Wa0xVVTNQcWdJNFhxbFJlWjdLd2pTMzBEZi0tR0FjQzlBUXpLb0dXWGg2R0RXTkxqMXBfOEVMclFjVXF3empSWDVXNmIzamlfMkhaYnd2di1UNkg4ZEE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4636 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "4636", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide