BlastPoint's Banking Scorecard

First Heritage Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 4636

Centralia, KS

5 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

First Heritage Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 2.7% in tier
+ ROA 0.21% above tier average
+ Efficiency Ratio 10.96% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.1% in tier
- NIB Deposit Bleed: Bottom 17.2% in tier
- Net Interest Margin 0.43% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$300.4M +14.9% YoY +1.3% QoQ	-$85.6M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$187.7M +19.9% YoY -2.1% QoQ	-$68.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$276.1M +13.4% YoY +0.5% QoQ	-$51.8M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	1.48% +17.8% YoY +0.1% QoQ	+0.21%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.50% +2.8% YoY -1.3% QoQ	-0.43%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	54.33% -12.5% YoY -5.6% QoQ	-10.96%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.07% +206.6% YoY -68.2% QoQ	-0.81%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	67.98% +5.8% YoY -2.6% QoQ	-8.66%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	13.86% -22.3% YoY +5.2% QoQ	-8.16%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.05% +219.9% YoY -69.2% QoQ	-0.59%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	9.23% -6.4% YoY -0.5% QoQ	-6.60%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 2.0% in tier
Non-Interest Income / Assets ?	0.05% -13.0% YoY -78.0% QoQ	-0.23%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#19 of 664 • Top 2.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (2)

Credit Quality Pressure

risk

#133 of 1308 • Bottom 10.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.07%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#35 of 198 • Bottom 17.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.86%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

573

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#573 of 2664 Top 21.5% in $100M-$1B

618

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#618 of 2654 Top 23.2% in $100M-$1B

660

Efficiency Ratio

profitability

Value: 54.33%

Peer Median: 65.29%

#660 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (3 metrics)

2613

Tier 1 Capital Ratio

capital

Value: 9.23%

Peer Median: 15.83%

#2613 of 2664 Bottom 2.0% in $100M-$1B

2131

Non-Interest-Bearing Deposit Share

funding

Value: 13.86%

Peer Median: 22.02%

#2131 of 2664 Bottom 20.0% in $100M-$1B

2111

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2111 of 2664 Bottom 20.8% in $100M-$1B