C
First Community Bank of the Heartland, Inc.
Clinton,  KY
Rating Date
October 2025
Risk Based
Capital Ratio
11.64
Leverage
Ratio
8.22
Return On
Assets
1.03%
Total
Assets
475.12M
Capital
35.05M
Total
Deposits
436.45M
Net
Income
2.41M
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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 4.40
Capitalization Index 6.20
Liquidity Index 0.50
Profitability Index 4.40
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 4.68%
5-Year Asset Growth 15.95%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 12.04%
Non-Performing Loans to Loans 0.11%
Balance Sheet First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Total Assets 475.12M
Total Deposits 436.45M
Capital and Reserves First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Capital 35.05M
Leverage Ratio 8.22
Loan Loss Reserves to Loans 0.80%
Risk-Based Capital Ratio 11.64
Liquidity First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Hot Money Ratio 34.31%
Liquidity Ratio 10.36%
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 2.41M
Net Interest Spread 3.82%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 74.34%
Return on Assets 1.03%
Return on Equity 13.78%