First Community Bank of the Heartland, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Community Bank of the Heartland, Inc. of Clinton, KY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.30% | 1.35% | -0.05% | 52nd above |
| ROAE | 16.75% | 12.05% | +4.70% | 75th top |
| Net Interest Margin | 4.15% | 3.90% | +0.25% | 62nd above |
| Efficiency Ratio | 67.43% | 63.15% | +4.28% | 34th below |
| PPNR / Avg Assets | 1.53% | 1.64% | -0.11% | 46th below |
| Yield on Earning Assets | 6.37% | 5.65% | +0.72% | 83rd top |
| Cost of Funds | 2.20% | 1.85% | +0.35% | 26th below |
| Net Interest Spread | 3.72% | 3.35% | +0.37% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.65% | 0.92% | -0.27% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.52% | 0.67% | -0.15% | 37th below |
| NCO / Avg Loans | -0.01% | 0.15% | -0.16% | 82nd top |
| ACL / Total Loans | 0.82% | 1.28% | -0.46% | 12th bottom |
| ACL / NPLs (Coverage) | 127.03% | 1645.78% | -1518.75% | 35th below |
| Texas Ratio | 11.16% | 7.15% | +4.01% | 19th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 937.50% | 1189.35% | -251.85% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.61% | 20.84% | -11.23% | 1st bottom |
| Tier 1 Ratio | 9.61% | 20.87% | -11.26% | 1st bottom |
| Total Capital Ratio | 10.45% | 21.94% | -11.49% | 0th bottom |
| Leverage Ratio | 8.12% | 12.47% | -4.35% | 3rd bottom |
| Equity / Assets | 7.71% | 11.67% | -3.96% | 11th bottom |
| TCE / Tangible Assets | 7.13% | 11.40% | -4.27% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.66% | 78.64% | +13.02% | 25th below |
| Core Deposit Ratio | 83.25% | 87.10% | -3.85% | 25th below |
| Wholesale Funding Ratio | 3.36% | 5.11% | -1.75% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.49% | 6.47% | +0.02% | 66th above |
| Loan Growth (Y/Y) | 8.07% | 7.64% | +0.43% | 65th above |
| Deposit Growth (Y/Y) | 2.26% | 6.02% | -3.76% | 37th below |
See First Community Bank of the Heartland, Inc.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Community Bank of the Heartland, Inc., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Community Bank of the Heartland, Inc. profile, how to read a UBPR, or how this data updates.