C
First Community Bank of Central Alabama
Rating Date
August 2026
Risk Based
Capital Ratio
11.89
Leverage
Ratio
8.57
Return On
Assets
2.43%
Total
Assets
694.30M
Capital
45.86M
Total
Deposits
638.31M
Net
Income
8.42M
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Weiss Ratings First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Rating C
Asset Quality Index 8.10
Capitalization Index 6.30
Liquidity Index 0.70
Profitability Index 10.00
Stability Index 4.30
Company Info First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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FDIC Number 57124
Phone Number (334) 567-0081
Website www.fcbca.com
Asset Quality First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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1-Year Asset Growth 5.64%
5-Year Asset Growth 8.51%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.13%
Non-Performing Loans to Capital 0.72%
Non-Performing Loans to Loans 0.08%
Balance Sheet First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Total Assets 694.30M
Total Deposits 638.31M
Capital and Reserves First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Capital 45.86M
Leverage Ratio 8.57
Loan Loss Reserves to Loans 1.86%
Risk-Based Capital Ratio 11.89
Liquidity First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Hot Money Ratio 22.05%
Liquidity Ratio 13.56%
Profitability First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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5-Year Return on Average Assets 2.03%
Net Income 8.42M
Net Interest Spread 4.60%
Operating Profit to Average Assets 2.59%
Overhead Efficiency Ratio 47.97%
Return on Assets 2.43%
Return on Equity 37.93%