C
First Community Bank of the Heartland, Inc.
Clinton,  KY
Rating Date
March 2026
Risk Based
Capital Ratio
11.42
Leverage
Ratio
8.07
Return On
Assets
0.94%
Total
Assets
492.70M
Capital
37.17M
Total
Deposits
438.21M
Net
Income
4.43M
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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 0.60
Profitability Index 4.10
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 4.40%
5-Year Asset Growth 11.81%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 8.22%
Non-Performing Loans to Loans 0.37%
Balance Sheet First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Total Assets 492.70M
Total Deposits 438.21M
Capital and Reserves First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Capital 37.17M
Leverage Ratio 8.07
Loan Loss Reserves to Loans 0.79%
Risk-Based Capital Ratio 11.42
Liquidity First Community Bank of the Heartland, Inc.
Clinton, KY 		Click to
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Hot Money Ratio 33.73%
Liquidity Ratio 9.78%
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 4.43M
Net Interest Spread 3.84%
Operating Profit to Average Assets 0.94%
Overhead Efficiency Ratio 76.73%
Return on Assets 0.94%
Return on Equity 12.36%