C
First Community Bank of the Heartland, Inc.
Clinton,  KY
Rating Date
August 2026
Risk Based
Capital Ratio
10.45
Leverage
Ratio
8.12
Return On
Assets
1.26%
Total
Assets
505.97M
Capital
39.02M
Total
Deposits
446.31M
Net
Income
3.11M
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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 4.70
Capitalization Index 6.10
Liquidity Index 0.50
Profitability Index 4.80
Stability Index 3.70
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 6.49%
5-Year Asset Growth 11.81%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 7.39%
Non-Performing Loans to Loans 0.65%
Balance Sheet First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Total Assets 505.97M
Total Deposits 446.31M
Capital and Reserves First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Capital 39.02M
Leverage Ratio 8.12
Loan Loss Reserves to Loans 0.82%
Risk-Based Capital Ratio 10.45
Liquidity First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Hot Money Ratio 33.35%
Liquidity Ratio 8.67%
Profitability First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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5-Year Return on Average Assets 1.04%
Net Income 3.11M
Net Interest Spread 4.00%
Operating Profit to Average Assets 1.26%
Overhead Efficiency Ratio 70.22%
Return on Assets 1.26%
Return on Equity 16.32%