Bank · FDIC insured
First Heritage Bank
A $303.4M bank headquartered in Centralia, KS, with 5 branches in Kansas.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—1.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Heritage Bank
- Headquarters
- 620 4th St, Centralia, KS 66415
- FDIC certificate
- 4636 ↗
Branches
5 branches in Kansas
Loading map…
Kansas
5 branches
Centralia area · 1
- First Heritage BankMain office620 4th St, Centralia, KS 66415Directions
Corning area · 1
- Corning Branch6501 Main St, Corning, KS 66417Directions
Kansas City area · 1
- Lenexa, Ks Branch17260 W 87th Street Pkwy, Lenexa, KS 66219Directions
Seneca area · 1
- Seneca Branch906 North St, Seneca, KS 66538Directions
Vermillion area · 1
- Vermillion Branch300 Main St, Vermillion, KS 66544Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.05% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.51% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio9.05%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.51%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Heritage Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.