First Heritage Bank is a bank based in Centralia, Kansas, established in 1882, with $300 million in total assets across 5 branches. By Trust Grade it ranks 167th of 186 banks we track in Kansas. Its capital ratio of 6.7% trails most similarly sized banks (6th percentile), versus a Kansas median of 10.4%. It was profitable over the most recent period, with a 1.48% return on assets. No consumer complaints against First Heritage Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Heritage Bank compares to Kansas peers
How we graded First Heritage Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.7% capital ratio)
- Strongly profitable (ROA 1.48%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Heritage Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 300 Main St, Vermillion, KS 66544
- 906 North St, Seneca, KS 66538
- 620 4th St, Centralia, KS 66415
- 6501 Main St, Corning, KS 66417
- 17260 W 87th Street Pkwy, Lenexa, KS 66219
Are deposits at First Heritage Bank insured?
Yes. First Heritage Bank is an FDIC-insured bank (FDIC certificate #4636). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Heritage Bank: frequently asked questions
Is First Heritage Bank a good bank?
First Heritage Bank earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (6.7% capital ratio); Strongly profitable (ROA 1.48%).
Is First Heritage Bank FDIC-insured?
Yes. First Heritage Bank is a FDIC-insured bank (FDIC certificate #4636). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Heritage Bank?
First Heritage Bank holds $300 million in total assets, ranking 167th of 186 banks we track in Kansas. It operates 5 branches.
Does First Heritage Bank have CFPB complaints?
No CFPB complaints against First Heritage Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
