FIRST COMMUNITY BANK OF CENTRAL ALABAMA

WETUMPKA, AL | Medium | Est. Aug. 28, 2001, midnight | FDIC #57124 | RSSD #3034257 | FDIC
Latest Report: 2025-12-31

FIRST COMMUNITY BANK OF CENTRAL ALABAMA is amn medium FDIC-insured commercial bank headquartered in WETUMPKA, AL, established in Aug. 28, 2001, midnight. As of 2025-12-31, the bank reported total assets of $676M and total deposits of $624M. Profitability stands at 2.06% ROA and 32.82% ROE, with a net interest margin of 5.00%. The bank's CET1 capital ratio is 10.81%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 3.73%. FDIC Certificate #57124.

Assets

$676M

Deposits

$624M

Loans

$465M

Equity

$43M

Profitability

Return on Assets (ROA) 2.06%
Return on Equity (ROE) 32.82%
Net Interest Margin (NIM) 5.00%
Yield on Assets 6.44%
Cost of Funds 1.43%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio 0.04%
Texas Ratio 3.73%
NPA Ratio 0.29%
ACL / Loans 1.92%

Capital & Liquidity

CET1 Ratio 10.81%
Tier 1 Capital 10.81%
Total Capital Ratio 12.07%
Leverage Ratio 8.39%
Loan-to-Deposit 74.63%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required