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Bank call report · Wetumpka, AL

First Community Bank of Central Alabama Call Report

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First Community Bank of Central Alabama filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 354 reported line items, schedule by schedule (904 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

First Community Bank of Central Alabama call report filing details
Call report formFFIEC 041
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID3034257
FDIC certificate number57124
Total assets$694.3M

Official Q2 2026 call report PDF (FFIEC) →

First Community Bank of Central Alabama call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.

Schedule RC: Balance Sheet (26 items)

About Schedule RC · First Community Bank of Central Alabama balance sheet trends

First Community Bank of Central Alabama Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $694.3M
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $694.3M
Total Liabilities and Minority Interest RCON2948 $648.4M
Total Deposits RCON2200 $638.3M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $504.4M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $495.0M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $474.2M
Deposits: Noninterest-bearing RCON6631 $164.1M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $76.7M
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $73.7M
Held-to-maturity Securities, Total RCON1754 $73.7M
Undivided Profits and Capital Reserves RCON3632 $48.3M
Total Equity Capital RCON3210 $45.9M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $45.9M
Noninterest-bearing Balances and Currency and Coin RCON0081 $16.8M
Accumulated Other Comprehensive Income RCONB530 -$14.0M
Surplus RCON3839 $10.6M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $10.4M
Other Liabilities, Total RCON2930 $10.1M
Allowance for Loan and Lease Losses RCON3123 $9.4M
Other Assets RCON2160 $8.1M
Federal Funds Sold RCONB987 $6.8M
Interest-bearing Balances RCON0071 $5.3M
Loans and Leases Held for Sale RCON5369 $1.1M
Common Stock RCON3230 $903K
Other Real Estate Owned RCON2150 $454K
Schedule RI: Income Statement (42 items)

About Schedule RI · First Community Bank of Central Alabama income statement trends

First Community Bank of Central Alabama Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $20.4M
Interest and Fee Income on Loans, Total RIAD4010 $17.6M
Net Interest Income RIAD4074 $15.8M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $9.6M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $9.0M
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $9.0M
Total Noninterest Expense RIAD4093 $8.9M
Income (Loss) Before Discontinued Operations RIAD4300 $8.4M
Net Income (Loss) RIAD4340 $8.4M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $8.4M
Salaries and Employee Benefits RIAD4135 $4.9M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $4.9M
Total Interest Expense RIAD4073 $4.6M
Other Noninterest Expense RIAD4092 $2.8M
Total Noninterest Income RIAD4079 $2.8M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $2.0M
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $1.9M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $1.7M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $1.6M
Other Noninterest Income RIADB497 $1.5M
Expenses of Premises and Fixed Assets RIAD4217 $1.2M
Savings Deposits (Including Mmdas) RIAD0093 $1.0M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $962K
Provisions for Credit Losses on Financial Assets RIADJJ33 $661K
Applicable Income Taxes RIAD4302 $575K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $569K
Fees and Commissions from Securities Brokerage RIADC886 $506K
Provision for Loan and Lease Losses RIAD4230 $485K
Interest on Other Securities RIAD4060 $420K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $242K
Interest Income on Balances Due from Depository Institutions RIAD4115 $204K
Interest and Fee Income on All Other Loans in Domestic Offices RIAD4058 $202K
Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell RIAD4020 $198K
Net Gains (Losses) on Sales of Other Assets (Excluding Securities) RIADB496 $178K
Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices RIAD4024 $108K
Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. RIAD4313 $94K
Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. RIAD4507 $73K
Other Interest Income RIAD4518 $43K
Realized Gains (Losses) on Available-for-sale Debt Securities RIAD3196 -$28K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $14K
Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase RIAD4180 $7K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 106
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)

About Schedule RC-A

First Community Bank of Central Alabama Schedule RC-A, Q2 2026
Line item Code Q2 2026
Cash and Balances Due from Depository Institutions RCON0010 $22.1M
Balances Due from Depository Institutions in the U.S. RCON0082 $13.5M
Balances Due from Federal Reserve Banks RCON0090 $5.1M
Currency and Coin RCON0080 $3.5M
Cash Items in Process of Collection and Unposted Debits RCON0020 $1K
Schedule RC-B: Securities (34 items)

About Schedule RC-B · First Community Bank of Central Alabama securities trends

First Community Bank of Central Alabama Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost RCONG302 $6.9M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value RCONG303 $6.7M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost RCONG306 $54.5M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value RCONG307 $50.4M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost RCONG304 $42.4M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value RCONG305 $39.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $2.6M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $2.5M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost RCONG312 $11.1M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value RCONG313 $9.7M
Pledged Securities RCON0416 $91.3M
Total Amortized Cost of Available-for-sale Securities RCON1772 $83.6M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $75.9M
Total Fair Value of Held-to-maturity Securities RCON1771 $67.2M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years RCONA553 $31.6M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $23.5M
Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. RCON8496 $17.5M
Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. RCON8497 $15.8M
Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8498 $15.5M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $13.7M
Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. RCON8499 $13.6M
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years RCONA554 $3.8M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK144 $2.0M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost RCONK142 $1.7M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK145 $1.7M
Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value RCONK143 $1.6M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost RCONK152 $1.6M
Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value RCONK153 $1.4M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $1.4M
US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost RCONHT50 $934K
US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value RCONHT51 $899K
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $549K
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $518K
Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA552 $514K
Schedule RC-C, Part I: Loans and Leases (32 items)

About Schedule RC-C, Part I · First Community Bank of Central Alabama loans and leases trends

First Community Bank of Central Alabama Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $505.4M
Pledged Loans and Leases RCONG378 $147.2M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $139.9M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $127.3M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $118.1M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $97.1M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $94.2M
Commercial and Industrial Loans RCON1766 $58.6M
Commercial and Industrial Loans to U.S. Addressees RCON1763 $58.6M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $50.7M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $47.3M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $47.2M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $47.0M
Loans Secured by 1-4 Family Residential Construction RCONF158 $40.9M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $40.8M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $37.0M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $36.7M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $29.0M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $24.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $19.6M
Real Estate Loans Secured by Farmland RCON1420 $17.8M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $14.3M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $13.3M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $13.0M
Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) RCONK137 $7.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $7.5M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $6.6M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $3.3M
Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. RCON2107 $3.1M
Loans to Finance Agricultural Production and Other Loans to Farmers RCON1590 $2.3M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $1.2M
Unearned Income on Loans RCON2123 $223K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)

About Schedule RC-C, Part II

First Community Bank of Central Alabama Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5569 $55.9M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5575 $12.8M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $11.8M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5567 $11.6M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $9.7M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5581 $6.7M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5583 $3.6M
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $2.8M
Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5579 $1.8M
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5589 $887K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5587 $809K
Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5585 $612K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 417
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 137
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 88
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 86
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 61
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5580 55
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5578 41
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5574 40
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5584 21
Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5582 15
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5586 7
Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 RCON5588 4
Schedule RC-E: Deposit Liabilities (24 items)

About Schedule RC-E · First Community Bank of Central Alabama deposit liabilities trends

First Community Bank of Central Alabama Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $349.2M
Total Demand Deposits (See Note Below) RCON2210 $289.2M
Total Transaction Accounts RCON2215 $289.2M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $257.9M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $203.0M
Money Market Deposit Accounts (Mmda's) RCON6810 $114.2M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $103.4M
Total Nontransaction Accounts of States and Political Subdivisions in the U.S. RCON2530 $91.3M
Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. RCON2203 $86.1M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $81.4M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $78.5M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $61.6M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $59.3M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $58.1M
Total Time Deposits of Less Than $100,000 RCON6648 $50.9M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $43.4M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $41.8M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $20.3M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $11.3M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $5.5M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $4.8M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK14 $2.7M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK10 $1.3M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years RCONHK15 $253K
Schedule RC-F: Other Assets (6 items)

About Schedule RC-F

First Community Bank of Central Alabama Schedule RC-F, Q2 2026
Line item Code Q2 2026
Accrued Interest Receivable RCONB556 $2.9M
Life Insurance Assets: General Account Life Insurance Assets RCONK201 $2.4M
Net Deferred Tax Assets RCON2148 $1.6M
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $713K
Other Assets RCON2168 $513K
Prepaid Expenses RCON2166 $492K
Schedule RC-G: Other Liabilities (5 items)

About Schedule RC-G

First Community Bank of Central Alabama Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCON2938 $6.8M
Dividends Declared But Not Yet Payable RCON2932 $2.9M
Accounts Payable RCON3066 $2.7M
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $2.6M
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $683K
Schedule RC-K: Quarterly Averages (16 items)

About Schedule RC-K · First Community Bank of Central Alabama quarterly averages trends

First Community Bank of Central Alabama Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $698.6M
Quarterly Average of Total Loans RCON3360 $495.2M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $267.5M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $158.8M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $142.7M
Mortgage-backed Securities RCONB559 $138.7M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $125.9M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $108.0M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $82.5M
Quarterly Average of Commercial and Industrial Loans RCON3387 $55.1M
All Other Securities RCONB560 $35.3M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $21.2M
Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell RCON3365 $16.0M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $11.3M
Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers RCON3386 $2.4M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $1.5M
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)

About Schedule RC-L · First Community Bank of Central Alabama derivatives and off-balance-sheet items trends

First Community Bank of Central Alabama Schedule RC-L, Q2 2026
Line item Code Q2 2026
All Other Off-balance Sheet Liabilities RCON3430 $61.0M
Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf RCONC978 $61.0M
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $34.1M
1-4 Family Residential Construction Loan Commitments RCONF164 $31.0M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $19.1M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $11.9M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $3.3M
Credit Card Lines: Other Unused Credit Card Lines RCONJ456 $2.1M
Unused Commitments - Credit Card Lines RCON3815 $2.1M
Financial Standby Letters of Credit and Foreign Office Guarantees RCON3819 $232K
Performance Standby Letters of Credit RCON3821 $232K
Schedule RC-M: Memoranda (3 items)

About Schedule RC-M · First Community Bank of Central Alabama memoranda trends

First Community Bank of Central Alabama Schedule RC-M, Q2 2026
Line item Code Q2 2026
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $28.5M
All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices RCON5510 $454K
Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations RCON6165 5
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)

About Schedule RC-N · First Community Bank of Central Alabama past due and nonaccrual loans, leases, and other assets trends

First Community Bank of Central Alabama Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $2.7M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $806K
1-4 Family Residential Construction Loans: Past Due 31 - 89 Days RCONF172 $560K
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $423K
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $394K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due RCONF178 $371K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing RCON5398 $264K
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $254K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing RCONK216 $196K
Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due RCONF179 $117K
Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing RCONK213 $96K
Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days RCONF173 $80K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing RCON5399 $79K
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCON1407 $79K
Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual RCON5400 $29K
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)

About Schedule RC-O · First Community Bank of Central Alabama other data for deposit insurance assessments trends

First Community Bank of Central Alabama Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $698.6M
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $640.9M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $318.4M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $311.2M
Average Tangible Equity for the Calendar Quarter RCONK654 $59.9M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $10.4M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $1.0M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 22,764
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 363
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 317
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 3
Averaging Method Used RCONK653 1
Schedule RC-R: Regulatory Capital (2 items)

About Schedule RC-R · First Community Bank of Central Alabama regulatory capital trends

First Community Bank of Central Alabama Schedule RC-R, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% RCONB704 $559.3M
Excess Allowance for Loan and Lease Losses RCONA222 $3.1M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)

About Schedule RC-R, Part I · First Community Bank of Central Alabama regulatory capital components and ratios trends

First Community Bank of Central Alabama Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $698.6M
Average total consolidated assets RCOAKW03 $698.6M
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $556.2M
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $66.8M
Common Equity Tier 1 Capital RCOAP859 $59.9M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $59.9M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $59.9M
Retained Earnings RCOAKW00 $48.3M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $45.9M
Accumulated Other Comprehensive Income RCOAB530 -$14.0M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $11.5M
Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP848 -$8.1M
General Loan and Lease Valuation Allowances RCOA5310 $7.0M
Tier 2 (Supplementary) Capital RCOA5311 $7.0M
Tier 2 Capital Before Deductions RCOAP870 $7.0M
Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) RCOAP844 -$5.9M
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.1202
Common Equity Tier 1 Capital Ratio RCOAP793 0.1076
Tier 1 Risk-based Capital Ratio RCOA7206 0.1076
Tier 1 Leverage Capital Ratio RCOA7204 0.0857
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.0402
Schedule RC-R, Part II: Risk-Weighted Assets (52 items)

About Schedule RC-R, Part II · First Community Bank of Central Alabama risk-weighted assets trends

First Community Bank of Central Alabama Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $559.3M
Total Risk-weighted Assets RCONG641 $556.2M
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $503.9M
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $421.6M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $421.6M
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $421.6M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $401.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $163.6M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $163.6M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $103.7M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $103.7M
Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category RCONS461 $95.2M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $76.7M
Total Held-to-maturity Securities RCOND961 $73.7M
Held-to-maturity Securities - 20 Pct Risk Weight Category RCOND963 $73.2M
Available-for-sale Securities - 20 Pct Risk Weight Category RCOND968 $70.1M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $57.8M
Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category RCONS572 $53.2M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $51.8M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category RCONS561 $35.4M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $32.7M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $29.6M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $29.4M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $29.4M
Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category RCONS539 $28.9M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $28.9M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 -$24.4M
Total Cash and Balances Due from Depository Institutions RCOND957 $22.1M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $19.0M
Total All Other Assets RCOND981 $19.0M
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $13.5M
Unconditionally Cancellable Commitments RCONS540 $11.9M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $9.1M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $8.7M
Held-to-maturity Securities - Adjustment to Totals Reported in Column a RCONS399 -$8.1M
Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category RCONS459 $7.2M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$6.9M
Federal Funds Sold in Domestic Offices RCOND971 $6.8M
Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category RCOND973 $6.8M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% RCONS531 $5.9M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $5.9M
Available-for-sale Securities - 50 Pct Risk Weight Category RCOND969 $4.5M
Held-to-maturity Securities - 0 Pct Risk Weight Category RCOND962 $4.5M
Held-to-maturity Securities - 50 Pct Risk Weight Category RCOND964 $4.0M
Loans and Leases Held for Sale, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS417 $1.1M
Total Loans and Leases Held for Sale, Residential Mortgage Exposures RCONS413 $1.1M
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category RCONS455 $502K
Total Balance Sheet Assets - 150 Pct Risk Weight Category RCONS503 $502K
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCONS449 $502K
Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount RCOND997 $232K
Performance Standby Letters of Credit and Transaction-related Contingent Items - 150 Pct Risk Weight Category RCONS512 $116K
Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount RCOND998 $116K
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

First Community Bank of Central Alabama Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $45.9M
Balance End of Previous Calendar Year as Restated RIADB508 $43.3M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $43.3M
Cash Dividends Declared on Common Stock RIAD4460 $5.9M
Other Comprehensive Income RIADB511 $65K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)

About Schedule RI-B, Part I · First Community Bank of Central Alabama charge-offs and recoveries on loans and leases trends

First Community Bank of Central Alabama Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $121K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $70K
Recoveries on Commercial and Industrial Loans RIAD4608 $53K
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $50K
Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens RIADC234 $42K
Charge-offs on Commercial and Industrial Loans RIAD4638 $29K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $12K
Recoveries on Automobile Loans RIADK133 $2K
Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens RIADC217 $2K
Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries RIADC896 $1K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)

About Schedule RI-B, Part II · First Community Bank of Central Alabama changes in allowances for credit losses trends

First Community Bank of Central Alabama Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $9.4M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $9.0M
Provisions for credit losses on off-balance-sheet exposures RIADMG93 $176K
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $121K
Schedule RI-E: Explanations (4 items)

About Schedule RI-E

First Community Bank of Central Alabama Schedule RI-E, Q2 2026
Line item Code Q2 2026
Bank Card and Credit Card Interchange Fees RIADF555 $1.0M
Automated Teller Machine (ATM) and Interchange Expense RIADF558 $661K
Data Processing Expenses RIADC017 $499K
First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) RIAD4461 $394K

First Community Bank of Central Alabama call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the First Community Bank of Central Alabama call report?

The First Community Bank of Central Alabama call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does First Community Bank of Central Alabama file?

First Community Bank of Central Alabama files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the First Community Bank of Central Alabama call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: First Community Bank of Central Alabama has Federal Reserve RSSD ID 3034257 and FDIC certificate number 57124. Either one finds its filings on the FFIEC Central Data Repository.

How often does First Community Bank of Central Alabama file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

First Community Bank of Central Alabama financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.