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First Heritage Bank
Shenandoah, IA · FDIC Certificate #4457 · Chartered 01/0
Total assets
$72.14M
Total deposits
$59.89M
Total equity
$6.97M
Net loans
$55.22M
Branches (offices)
2
Net income (YTD)
$651.00K
Rank: #3,893 of 4,213 U.S. banks by assets · #208 of 225 in Iowa. Assets changed 3.8% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.82% |
| Return on equity | 18.96% |
| Net interest margin (YTD) | 4.33% |
| Equity to assets | 9.66% |
| Tier 1 leverage ratio | 10.21% |
| Uninsured deposits (share of deposits) | 9.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 92.2% |
| Real estate loans (share of loans) | 74.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.84M | 74.0% | |
| Commercial & industrial | $7.05M | 12.8% | |
| Consumer / individual | $1.35M | 2.4% | |
| Construction & development | $2.35M | 4.3% | |
| Agricultural | $6.64M | 12.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $58.82M | $54.70M | $288.00K | $4.11M |
| Jun 2023 | $62.60M | $52.27M | $183.00K | $4.30M |
| Jun 2024 | $64.17M | $58.25M | $268.00K | $5.08M |
| Jun 2025 | $69.51M | $58.06M | $486.00K | $6.12M |
| Jun 2026 | $72.14M | $59.89M | $651.00K | $6.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $59.89M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $59.89M.
Similar-sized banks
Security State Bank Of Kenyon ($72.20M) · Citizens State Bank Of Lankin ($72.11M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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