FIRST COMMUNITY BANK OF THE HEARTLAND, INC.

CLINTON, KY | Small | Est. Jan. 1, 1934, midnight | FDIC #14735 | RSSD #837149 | FDIC
Latest Report: 2025-12-31

FIRST COMMUNITY BANK OF THE HEARTLAND, INC. is asn small FDIC-insured commercial bank headquartered in CLINTON, KY, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $493M and total deposits of $438M. Profitability stands at 0.64% ROA and 8.50% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 10.54%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 3.61%. FDIC Certificate #14735.

Assets

$493M

Deposits

$438M

Loans

$391M

Equity

$37M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 8.50%
Net Interest Margin (NIM) 3.85%
Yield on Assets 6.26%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio 0.05%
Texas Ratio 3.61%
NPA Ratio 0.30%
ACL / Loans 0.79%

Capital & Liquidity

CET1 Ratio 10.54%
Tier 1 Capital 10.54%
Total Capital Ratio 11.42%
Leverage Ratio 8.07%
Loan-to-Deposit 89.23%

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