FIRST HERITAGE BANK
SHENANDOAH, IOWA · FDIC Cert #4457
Capital & Safety Analysis
According to FDIC financial data, FIRST HERITAGE BANK holds a Tier 1 capital ratio of 12.41%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST HERITAGE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST HERITAGE BANK shows strong financial health indicators. With $64M in assets and a Health Score of 81/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST HERITAGE BANK has a Bank Health Score of A (81/100). It holds a Tier 1 capital ratio of 12.41%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST HERITAGE BANK holds $64M in total assets and $58M in total deposits. It is located in SHENANDOAH, IOWA (FDIC Certificate #4457).
FIRST HERITAGE BANK has a Tier 1 capital ratio of 12.41%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.00%, and the return on assets is 0.88%.
Yes. FIRST HERITAGE BANK is FDIC-insured (Certificate #4457). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.