First Community Bank of Central Alabama: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
This quarter marks the 25-year anniversary of First Community Bank of Central Alabama's 2001 charter. First Community Bank of Central Alabama is an FDIC-insured commercial bank. Profitability is strong, 2.41% ROA, paired with 37.34% ROE and a 4.51% net interest margin. First Community Bank of Central Alabama's Q2 2026 balance sheet shows $694M in assets funded primarily by $638M in customer deposits. Capital cushions are healthy: 10.76% CET1, 8.57% Tier 1 leverage. Asset quality is pristine, 0.08% NPLs and a 1.73% Texas Ratio. 9 branches make up the footprint.
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 0.08%, a Texas ratio of 1.73%, per financial data filed with the FFIEC.
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
- Offices
- 9 domestic
- Employees (FTE)
- 106
- Domestic deposits
- $638.3M
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $51K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Community Bank of Central Alabama terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Community Bank of Central Alabama, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Community Bank of Central Alabama: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 2.41% | 0.08% | 1.73% | 4.51% |
| Q1 2026 | 10.50% | 2.44% | 0.09% | 3.89% | 4.69% |
| Q4 2025 | 10.81% | 2.04% | 0.17% | 3.86% | 4.64% |
| Q3 2025 | 10.83% | 2.32% | 0.32% | 3.69% | 4.66% |
| Q2 2025 | 10.64% | 2.48% | 0.24% | 2.84% | 4.54% |
| Q1 2025 | 10.98% | 2.11% | 0.26% | 2.42% | 4.38% |
| Q4 2024 | 11.12% | 2.04% | 0.26% | 2.76% | 4.55% |
| Q3 2024 | 10.42% | 2.24% | 0.22% | 2.03% | 4.55% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| 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
What the public regulatory sources show for First Community Bank of Central Alabama, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank of Central Alabama headquartered?
First Community Bank of Central Alabama is headquartered in Wetumpka, AL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Community Bank of Central Alabama founded?
First Community Bank of Central Alabama was established in 2001, per the FDIC institution directory.
Is First Community Bank of Central Alabama FDIC-insured?
Yes. First Community Bank of Central Alabama 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Community Bank of Central Alabama's CET1 capital ratio?
First Community Bank of Central Alabama 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?
First Community Bank of Central Alabama 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?
First Community Bank of Central Alabama's Texas Ratio is 1.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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