First Community Bank of the Heartland, Inc.
Also written as FCB of the Heartland
BankRegReports is independent of First Community Bank of the Heartland, Inc. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Community Bank of the Heartland, Inc. is an FDIC-insured commercial bank headquartered in Clinton, KY, established in 1934 (FDIC certificate 14735), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $506.0M, up 6.5% from Q2 2025, the 38th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 9.61% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14735
- Headquarters
- Clinton, KY
- Established
- 1934
- Total assets, Q2 2026
- $506.0M
- Assets vs Q2 2025
- +6.5%
- CET1 ratio, Q2 2026
- 9.61%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 083902468
- Latest call report
- Q2 2026, FFIEC 051 · First Community Bank of the Heartland, Inc. call report
- Holding company
- FIRST TRUST FINANCIAL CORPORATION
- Asset rank in state
- 38th of 120 in Kentucky
First Community Bank of the Heartland, Inc. operates with a thinner capital cushion than most banks of its size. Based in Clinton, Kentucky, it had $506 million in assets at June 30, 2026, up 6.5% from a year earlier. It holds common equity equal to 9.61% of its risk-weighted assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 15.11%). It also carries problem assets equal to 8.2% of the capital and reserves that would absorb them, about triple the median of 2.7% for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 36% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.79% of loans from 1.31%. One more trend to watch: loans are outrunning deposits: over the year loans rose 8.1% and deposits rose 2.3%.
As of June 30, 2026, First Community Bank of the Heartland, Inc. reported a CET1 capital ratio of 9.61%, a return on assets of 1.30%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 8.21%. The figures come from its call report filed with the FFIEC.
First Community Bank of the Heartland, Inc. ranks as the 38th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.6% to $506.0M, loans rose 4.4% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 38.9% of total loans, ahead of 1-4 family residential loans at 27.6%. The FDIC Summary of Deposits lists 11 offices for it, in 9 cities across 2 states; its Clinton office books 32% of its branch deposits. Judged on its Q2 2026 call report, First Community Bank of the Heartland, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 114 E Jackson St, Clinton, KY 42031
- County
- Hickman
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- First Community Bank of Western Kentucky, Inc. (2003-2014); First National Bank of Clinton (1985-2003)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 104
- Domestic deposits
- $446.3M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $498.2M
- Average total loans
- $399.0M
- Average interest-bearing deposits
- $405.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 10, 1934
- FDIC Cert
- 14735
- Fed RSSD
- 837149
- Website
- www.fcbheartland.com →
- Parent Holding Company
- FIRST TRUST FINANCIAL CORPORATION (RSSD 2156451)
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 the Heartland, Inc.'s total assets moved between a low of $438.1M (Q3 2023) and a high of $506.0M (Q2 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
$506.0M total assets against $475.1M; $467.0M total liabilities against $440.1M.
$405.7M net loans and leases against $375.5M; $446.3M total deposits against $436.4M.
$45.8M securities against $42.4M; $20.8M cash and balances due against $24.1M.
$7.4M total interest income against $6.9M; $2.6M total interest expense against $2.7M.
$4.8M net interest income against $4.3M.
$1.2M total noninterest income against $1.1M; $4.1M total noninterest expense against $3.9M.
$300K provision for credit losses against $250K.
$1.6M net income against $1.2M.
1.30% return on assets against 1.02%; 4.15% net interest margin against 3.95%.
9.61% CET1 capital ratio against 10.75%; 8.12% tier 1 leverage ratio against 8.22%.
Inside the full First Community Bank of the Heartland, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Community Bank of the Heartland, Inc. rankings
Its closest position to the top of a national ranking is 809 of 3,640, for Texas Ratio; its furthest is 2,122 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.60% (Q4 2024) to 1.30% (Q2 2026) and its net interest margin ran from 3.54% (Q3 2024) to 4.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.61% | 1.30% | 1.07% | 8.21% | 4.15% |
| Q1 2026 | 10.55% | 1.22% | 1.00% | 8.60% | 3.85% |
| Q4 2025 | 10.54% | 0.66% | 1.22% | 9.21% | 3.89% |
| Q3 2025 | 10.72% | 1.03% | 0.86% | 5.75% | 3.84% |
| Q2 2025 | 10.75% | 1.02% | 2.20% | 14.24% | 3.95% |
| Q1 2025 | 10.97% | 1.05% | 1.31% | 11.72% | 3.69% |
| Q4 2024 | 10.36% | 0.60% | 0.81% | 9.20% | 3.65% |
| Q3 2024 | 10.85% | 0.93% | 0.71% | 5.06% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 the Heartland, Inc. (main office) | Clinton , KY | 42031 | $140.9M |
| La Center Ky Branch | La Center , KY | 42056 | $63.1M |
| Kevil Banking Center Branch | Kevil , KY | 42053 | $53.9M |
| Martin Banking Center | Martin , TN | 38237 | $42.8M |
| Dresden | Dresden , TN | 38225 | $40.8M |
| Fancy Farm Banking Center Branch | Fancy Farm , KY | 42039 | $31.3M |
| Wickliffe Main Branch | Wickliffe , KY | 42087 | $23.5M |
| Dyersburg-145 Mall Blvd Branch | Dyersburg , TN | 38024 | $15.2M |
| Dyersburg Branch | Dyersburg , TN | 38024 | $13.8M |
| South Fulton Branch | South Fulton , TN | 38257 | $12.8M |
| Martin--Downtown | Martin , TN | 38237 | $8.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 6, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 6, 2013 | Structure Change | Acquired The Kevil Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 2, 2002, OCC: Formal Agreement: First National Bank of Clinton
- Period: Most recent institution action October 2, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in KY, rank 70 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $426K approved, $426K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (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
Add this badge to your website
Free to use. It shows First Community Bank of the Heartland, Inc.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about First Community Bank of the Heartland, Inc.
What are First Community Bank of the Heartland, Inc.'s total assets?
As of the Q2 2026 filing, First Community Bank of the Heartland, Inc. reported total assets of $506.0 million in its FFIEC call report.
Where is First Community Bank of the Heartland, Inc. headquartered?
It is headquartered in Clinton, KY, United States.
When was First Community Bank of the Heartland, Inc. founded?
It was established in 1934, per the FDIC institution directory.
Is First Community Bank of the Heartland, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14735). 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 the Heartland, Inc.?
First Community Bank of the Heartland, Inc.'s primary federal regulator is the Federal Reserve.
What is First Community Bank of the Heartland, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.61% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does First Community Bank of the Heartland, Inc. operate?
It operates 11 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 the Heartland, Inc.'s Texas Ratio?
Its Texas Ratio is 8.21% 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.
What was First Community Bank of the Heartland, Inc. previously called?
The charter now named First Community Bank of the Heartland, Inc. has also operated as First Community Bank of Western Kentucky, Inc. (2003-2014), First National Bank of Clinton (1985-2003), per FDIC structure-change records.
Go deeper on First Community Bank of the Heartland, Inc.
Get an email when First Community Bank of the Heartland, Inc. files its next call report, and benchmark it against any peer you choose.
Unlock First Community Bank of the Heartland, Inc., freeFree account