First Heritage Bank
Centralia, Kansas, Nemaha County
$303M in total assets, the 2,488th largest of 4,309 US banks and 69th of 185 headquartered in Kansas.
- FDIC certificate
- 4636
- Established
- 1882
- Owned by
- First Centralia Bancshares Inc
- Primary regulator
- FDIC
- Website
- www.1hbank.com
At a glance
Compared with 116 banks headquartered in Kansas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $303M | 59% | $257M | |
| Loans | $196M | 60% | $172M | |
| Deposits | $280M | 61% | $214M | |
| Return on assets | 1.57% | 66% | 1.39% | |
| Net interest margin | 3.54% | 19% | 3.98% | |
| Efficiency ratio | 54.4% | 39% | 58.7% | |
| Equity to assets | 7.01% | 10% | 10.25% | |
| Loans to deposits | 70% | 35% | 78% |
Growth
Total assets grew 6.1% a year over the last 5 years and 8.5% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2009 | Vermillion State Bank Vermillion, KS, an affiliate under the same holding company | $15M |
| Mar 2006 | The Farmers State Bank of Corning Overland Park, KS, an affiliate under the same holding company | $7M |
| Jan 1990 | Peoples Heritage Savings, A Federal Savings and Loan Association Salina, KS | $1.2B |
Where they operate
5 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Nemaha County, KS | $241M | 20.5% | 3 of 7 |
| Johnson County, KS | $27M | 0.1% | 51 of 60 |
| Marshall County, KS | $12M | 1.7% | 7 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (5 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2021 | Opened LenexaClosed Overland Park | 1 | 1 | 0 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 25% | 17% | |
| Agricultural | 24% | 14% | |
| Farmland | 16% | 17% | |
| Business (C&I) | 13% | 11% | |
| 1-4 family residential | 12% | 27% | |
| Construction and land | 3% | 5% | |
| Multifamily | 3% | 2% | |
| Consumer | 1% | 4% | |
| Other | 3% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 44% | 46% | |
| Time deposits | 43% | 34% | |
| Noninterest-bearing | 13% | 21% |
Brokered deposits are 19.8% of deposits (peers 3.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.24% |
| Net charge-offs, annualized | -0.01% | 0.00% |
| Reserves to loans | 0.80% | 1.27% |
| Leverage ratio | 9.05% | 10.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Nemaha County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-heritage-bank-centralia-ks