First Community Bank of the Heartland, Inc.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Community Bank of the Heartland, Inc. is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $506M in assets, including $409M in loans. Regulatory capital is solid, 9.61% CET1 and 10.45% total risk-based capital ratio. The bank posts a strong 1.30% ROA and 16.75% ROE. Credit metrics are in line with industry norms, 0.65% NPL ratio. Its footprint covers 11 branches concentrated in Kentucky.
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 0.65%, a Texas ratio of 11.16%, per financial data filed with the FFIEC.
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)
- Offices
- 11 domestic
- Employees (FTE)
- 104
- Domestic deposits
- $446.3M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $32K
- 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
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 the Heartland, Inc. terminal
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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.
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 | 9.61% | 1.30% | 0.65% | 11.16% | 4.15% |
| Q1 2026 | 10.55% | 1.22% | 0.57% | 10.31% | 3.85% |
| Q4 2025 | 10.54% | 0.66% | 0.37% | 12.86% | 3.89% |
| Q3 2025 | 10.72% | 1.03% | 0.18% | 9.04% | 3.84% |
| Q2 2025 | 10.75% | 1.02% | 0.11% | 23.82% | 3.95% |
| Q1 2025 | 10.97% | 1.05% | 0.14% | 13.90% | 3.69% |
| Q4 2024 | 10.36% | 0.60% | 0.05% | 9.20% | 3.65% |
| Q3 2024 | 10.85% | 0.93% | 0.05% | 7.62% | 3.54% |
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 11 branches →
| 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
What the public regulatory sources show for First Community Bank of the Heartland, Inc., 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
- 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.
- 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 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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Community Bank of the Heartland, Inc. headquartered?
First Community Bank of the Heartland, Inc. is headquartered in Clinton, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Community Bank of the Heartland, Inc. founded?
First Community Bank of the Heartland, Inc. was established in 1934, per the FDIC institution directory.
Is First Community Bank of the Heartland, Inc. FDIC-insured?
Yes. First Community Bank of the Heartland, Inc. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Community Bank of the Heartland, Inc.'s CET1 capital ratio?
First Community Bank of the Heartland, Inc. 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?
First Community Bank of the Heartland, Inc. 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?
First Community Bank of the Heartland, Inc.'s Texas Ratio is 11.16% 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.
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.
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