First Heritage Bank (FDIC #4636): Bank Stress & Real-Estate Credit Exposure

First Heritage Bank (FDIC Cert #4636): bank stress 71/100, elevated, STABLE over 7 days; parent FIRST CENTRALIA BANCSHARES INC.

First Heritage Bank (#4636) lends in 3 counties across 1 state; First Heritage Bank (#4636) reaches 61 ZIP codes: Kansas 3 counties, 61 ZIPs.

First Heritage Bank (#4636) largest markets: Johnson County, KS (35 branches, 35 ZIPs) (#4636), Nemaha County, KS (48 branches, 16 ZIPs) (#4636), Marshall County, KS (13 branches, 13 ZIPs) (#4636).

First Heritage Bank (#4636) reports $303.4 million in total assets; First Heritage Bank (#4636) equity $21.3 million (7.0% of First Heritage Bank (#4636) assets); First Heritage Bank (#4636) domestic deposits $280.1 million; First Heritage Bank (#4636) net income $2.3 million; First Heritage Bank (#4636) return on assets 1.51%; First Heritage Bank (#4636) return on equity 21.98%; First Heritage Bank (#4636) net interest income $5.0 million; First Heritage Bank (#4636) call report June 30, 2026.

First Heritage Bank (#4636) noncurrent real-estate loans: none reported; First Heritage Bank (#4636) net charge-offs on real estate 0.00%.

First Heritage Bank (#4636) net interest margin 3.54% against an eight-quarter First Heritage Bank (#4636) average of 3.47% (First Heritage Bank (#4636) compression -0.06 points); First Heritage Bank (#4636) rate-exposure score 40/100, First Heritage Bank (#4636) fixed-rate trap 40/100; First Heritage Bank (#4636) risk type credit driven; First Heritage Bank (#4636) rate regime rates elevated, First Heritage Bank (#4636) snapshot October 19, 2026.

First Heritage Bank (#4636) stress score moved from 70.9 on June 22, 2026 to 70.8 on October 20, 2026; First Heritage Bank (#4636) ranged 70.8 to 70.9 over 117 snapshots.

First Heritage Bank (#4636) alerts: 3 counties; top First Heritage Bank (#4636) alert scores: Lenexa County, KS 25 (low); Seneca County, KS 25 (low); Vermillion County, KS 25 (low).