First Community Bank of the Heartland, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.36 percentage points lower than in Q1 2026, at 127.03%. First Community Bank of the Heartland, Inc. ranks 56th of 119 Kentucky banks on return on assets, in the upper half at 1.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Community Bank of the Heartland, Inc. sits 0.04 points higher, at 1.30% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.61% |
| Tier 1 risk-based capital ratio | 9.61% |
| Total risk-based capital ratio | 10.45% |
| Tier 1 leverage ratio | 8.12% |
| Equity capital to assets | 7.71% |
| Tangible equity to tangible assets | 7.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.65% |
| Non-performing assets ratio | 0.52% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 11.16% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 127.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 16.75% |
| Net interest margin | 4.15% |
| Efficiency ratio | 67.43% |
| Yield on earning assets | 6.37% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.66% |
| Core deposits to total deposits | 83.25% |
| Brokered deposits to total deposits | 6.84% |
| Deposits to assets | 88.21% |
| Securities to assets | 9.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.07% | 11.07% | 12.03% | 8.52% | 0.93% |
| Q4 2023 | 10.84% | 10.84% | 11.78% | 8.27% | 0.49% |
| Q1 2024 | 10.03% | 10.03% | 10.88% | 8.23% | 0.65% |
| Q2 2024 | 10.95% | 10.95% | 11.83% | 8.21% | 0.98% |
| Q3 2024 | 10.85% | 10.85% | 11.64% | 8.22% | 0.93% |
| Q4 2024 | 10.36% | 10.36% | 11.18% | 7.99% | 0.60% |
| Q1 2025 | 10.97% | 10.97% | 11.82% | 8.20% | 1.05% |
| Q2 2025 | 10.75% | 10.75% | 11.64% | 8.22% | 1.02% |
| Q3 2025 | 10.72% | 10.72% | 11.55% | 8.23% | 1.03% |
| Q4 2025 | 10.54% | 10.54% | 11.42% | 8.07% | 0.66% |
| Q1 2026 | 10.55% | 10.55% | 11.40% | 8.17% | 1.22% |
| Q2 2026 | 9.61% | 9.61% | 10.45% | 8.12% | 1.30% |
First Community Bank of the Heartland, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of the Heartland, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Community Bank of the Heartland, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14735) · FFIEC NIC profile (RSSD 837149)