BlastPoint's Banking Scorecard
First Heritage Bank
Micro
Specialty: Agricultural
IA
FDIC cert 4457
Designations: ✓ Community bank
Shenandoah, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First Heritage Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.9M
+1.9% YoY
+2.0% QoQ
|
-$147.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$53.5M
+6.6% YoY
+1.1% QoQ
|
-$85.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$58.0M
+0.5% YoY
+2.2% QoQ
|
-$125.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.54%
+58.8% YoY
+0.4% QoQ
|
+0.46% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
3.96%
+16.0% YoY
+2.7% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
56.43%
-17.7% YoY
+2.0% QoQ
|
-11.30% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
92.21%
+6.1% YoY
-1.1% QoQ
|
+17.69% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
18.91%
-4.4% YoY
+0.6% QoQ
|
-3.48% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.13%
-4.0% YoY
+38.2% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
78
78th pctile
Efficiency Ratio
Current: 56.43% · Tier avg: 67.73%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.91% · Tier avg: 22.39%
22
22th pctile
Total Loans
Current: $53.5M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.21% · Tier avg: 74.53%
13
13th pctile
Total Deposits
Current: $58.0M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $69.9M · Tier avg: $217.5M
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
13
13th pctile
Total Assets
Current: $69.9M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $58.0M · Tier avg: $183.7M
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.21% · Tier avg: 74.53%
22
22th pctile
Total Loans
Current: $53.5M · Tier avg: $139.2M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.91% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
76
76th pctile
Return on Assets
Current: 1.54% · Tier avg: 1.08%
78
78th pctile
Efficiency Ratio
Current: 56.43% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%