C
First Community Bank of Central Alabama
Rating Date
March 2026
Risk Based
Capital Ratio
12.07
Leverage
Ratio
8.39
Return On
Assets
2.23%
Total
Assets
675.70M
Capital
43.26M
Total
Deposits
623.62M
Net
Income
14.79M
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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 7.70
Capitalization Index 6.20
Liquidity Index 1.10
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 6.92%
5-Year Asset Growth 8.51%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.29%
Non-Performing Loans to Capital 1.32%
Non-Performing Loans to Loans 0.17%
Balance Sheet First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Total Assets 675.70M
Total Deposits 623.62M
Capital and Reserves First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Capital 43.26M
Leverage Ratio 8.39
Loan Loss Reserves to Loans 1.92%
Risk-Based Capital Ratio 12.07
Liquidity First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Hot Money Ratio 21.15%
Liquidity Ratio 14.02%
Profitability First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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5-Year Return on Average Assets 1.97%
Net Income 14.79M
Net Interest Spread 4.56%
Operating Profit to Average Assets 2.37%
Overhead Efficiency Ratio 48.34%
Return on Assets 2.23%
Return on Equity 38.00%