First Community Bank of Central Alabama
Also written as FCB of Central Alabama
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Data as of · sourced from FFIEC call reports. How we update
First Community Bank of Central Alabama is an FDIC-insured commercial bank headquartered in Wetumpka, AL, established in 2001 (FDIC certificate 57124), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $694.3M, up 5.6% from Q2 2025, the 24th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 10.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57124
- Headquarters
- Wetumpka, AL
- Established
- 2001
- Total assets, Q2 2026
- $694.3M
- Assets vs Q2 2025
- +5.6%
- CET1 ratio, Q2 2026
- 10.76%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 062206392
- Latest call report
- Q2 2026, FFIEC 041 · First Community Bank of Central Alabama call report
- Holding company
- CENTRAL ALABAMA BANCSHARES, INC.
- Asset rank in state
- 24th of 93 in Alabama
First Community Bank of Central Alabama is one of the more profitable banks of its size. The Wetumpka, Alabama bank had $694 million in assets at June 30, 2026, up 5.6% from a year earlier. It earns about $2.41 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds common equity equal to 10.76% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 13.2% and deposits rose 4.5%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.10% of loans from 0.28%.
As of June 30, 2026, First Community Bank of Central Alabama reported a CET1 capital ratio of 10.76%, a return on assets of 2.41%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 1.73%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, First Community Bank of Central Alabama is the 24th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $694.3M, loans rose 3.5% and deposits fell 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.8% of total loans, ahead of owner-occupied commercial real estate loans at 23.4%. The FDIC Summary of Deposits lists 9 offices for it, in 5 cities in AL; its Wetumpka 2 offices book 53% of its branch deposits. On its Q2 2026 call report, First Community Bank of Central Alabama meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 715 Wilson St, Wetumpka, AL 36092
- County
- Elmore
- Metro Area
- Montgomery, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 28, 2001
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 106
- Domestic deposits
- $638.3M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $51K
- Average total assets
- $698.6M
- Average total loans
- $495.2M
- Average interest-bearing deposits
- $475.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 28, 2001
- FDIC Cert
- 57124
- Fed RSSD
- 3034257
- Website
- http://www.fcbca.com →
- Parent Holding Company
- CENTRAL ALABAMA BANCSHARES, INC. (RSSD 3034248)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Community Bank of Central Alabama's total assets moved between a low of $573.4M (Q3 2023) and a high of $697.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$694.3M total assets against $657.2M; $648.4M total liabilities against $619.0M.
$496.0M net loans and leases against $438.2M; $638.3M total deposits against $611.1M.
$150.4M securities against $161.1M; $28.9M cash and balances due against $41.1M.
$10.3M total interest income against $9.6M; $2.4M total interest expense against $2.2M.
$7.9M net interest income against $7.5M.
$1.3M total noninterest income against $1.1M; $4.4M total noninterest expense against $3.8M.
$286K provision for credit losses against $335K.
$4.2M net income against $4.1M.
2.41% return on assets against 2.48%; 4.51% net interest margin against 4.54%.
10.76% CET1 capital ratio against 10.64%; 8.57% tier 1 leverage ratio against 8.47%.
Inside the full First Community Bank of Central Alabama terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
First Community Bank of Central Alabama rankings
Its closest position to the top of a national ranking is 202 of 3,611, for ROA; its furthest is 2,006 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.04% (Q4 2025) to 2.48% (Q2 2025) and its net interest margin ran from 4.38% (Q1 2025) to 4.69% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 2.41% | 0.10% | 1.73% | 4.51% |
| Q1 2026 | 10.50% | 2.44% | 0.17% | 3.89% | 4.69% |
| Q4 2025 | 10.81% | 2.04% | 0.19% | 3.86% | 4.64% |
| Q3 2025 | 10.83% | 2.32% | 0.39% | 3.69% | 4.66% |
| Q2 2025 | 10.64% | 2.48% | 0.28% | 2.84% | 4.54% |
| Q1 2025 | 10.98% | 2.11% | 0.26% | 2.42% | 4.38% |
| Q4 2024 | 11.12% | 2.04% | 0.28% | 2.76% | 4.55% |
| Q3 2024 | 10.42% | 2.24% | 0.23% | 2.03% | 4.55% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Community Bank of Central Alabama (main office) | Wetumpka , AL | 36092 | $305.7M |
| Millbrook Branch | Millbrook , AL | 36054 | $80.1M |
| Tallassee Branch | Tallassee , AL | 36078 | $72.1M |
| Prattville Branch | Prattville , AL | 36066 | $58.7M |
| Eclectic Branch | Eclectic , AL | 36024 | $47.7M |
| Holtville Road Branch | Wetumpka , AL | 36092 | $33.0M |
| West Prattville Branch | Prattville , AL | 36067 | $21.5M |
| Tallassee Branch | Tallassee , AL | 36078 | $11.8M |
| Pine Level Branch | Prattville , AL | 36066 | $7.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- February 17, 2010, OCC: Formal Agreement: First National Bank of Central Alabama
- April 20, 1999, OCC: Formal Agreement: First National Bank Of Central Alabama
- Period: Most recent institution action February 17, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in AL, rank 38 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $343K approved, $343K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Community Bank of Central Alabama
What are First Community Bank of Central Alabama's total assets?
As of the Q2 2026 filing, First Community Bank of Central Alabama reported total assets of $694.3 million in its FFIEC call report.
Where is First Community Bank of Central Alabama headquartered?
It is headquartered in Wetumpka, AL, United States.
When was First Community Bank of Central Alabama founded?
It was established in 2001, per the FDIC institution directory.
Is First Community Bank of Central Alabama FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57124). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Community Bank of Central Alabama?
First Community Bank of Central Alabama's primary federal regulator is the FDIC.
What is First Community Bank of Central Alabama's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Community Bank of Central Alabama operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Community Bank of Central Alabama's Texas Ratio?
Its Texas Ratio is 1.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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