B
First Community Bank of Central Alabama
Rating Date
June 2025
Risk Based
Capital Ratio
12.24
Leverage
Ratio
8.61
Return On
Assets
2.11%
Total
Assets
661.43M
Capital
37.17M
Total
Deposits
617.56M
Net
Income
3.35M
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Weiss Ratings First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Rating B
Asset Quality Index 7.50
Capitalization Index 6.10
Liquidity Index 2.10
Profitability Index 9.70
Stability Index 5.70
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 8.03%
5-Year Asset Growth 12.03%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 1.71%
Non-Performing Loans to Loans 0.26%
Balance Sheet First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Total Assets 661.43M
Total Deposits 617.56M
Capital and Reserves First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Capital 37.17M
Leverage Ratio 8.61
Loan Loss Reserves to Loans 1.89%
Risk-Based Capital Ratio 12.24
Liquidity First Community Bank of Central Alabama
Wetumpka, AL 		Click to
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Hot Money Ratio 19.27%
Liquidity Ratio 18.82%
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 3.35M
Net Interest Spread 4.38%
Operating Profit to Average Assets 2.25%
Overhead Efficiency Ratio 52.28%
Return on Assets 2.11%
Return on Equity 37.38%