C
First Community Bank of the Heartland, Inc.
Clinton,  KY
Rating Date
October 2025
Risk Based
Capital Ratio
11.55
Leverage
Ratio
8.23
Return On
Assets
1.03%
Total
Assets
490.09M
Capital
37.21M
Total
Deposits
429.78M
Net
Income
3.64M
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Weiss Ratings First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Rating C
Asset Quality Index 5.10
Capitalization Index 6.20
Liquidity Index 0.70
Profitability Index 4.50
Stability Index 4.30
Company Info First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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FDIC Number 14735
Phone Number (270) 653-4301
Website www.fcbheartland.com
Asset Quality First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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1-Year Asset Growth 5.08%
5-Year Asset Growth 15.95%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 5.07%
Non-Performing Loans to Loans 0.18%
Balance Sheet First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Total Assets 490.09M
Total Deposits 429.78M
Capital and Reserves First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Capital 37.21M
Leverage Ratio 8.23
Loan Loss Reserves to Loans 0.75%
Risk-Based Capital Ratio 11.55
Liquidity First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Hot Money Ratio 34.60%
Liquidity Ratio 10.46%
Profitability First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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5-Year Return on Average Assets 1.08%
Net Income 3.64M
Net Interest Spread 3.83%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 75.27%
Return on Assets 1.03%
Return on Equity 13.72%