FDIC Cert #57124 · Wetumpka, Alabama · Est. 2001

First Community Bank of Central Alabama - FDIC Bank Health Profile

A community-scale look at First Community Bank of Central Alabama's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$676M
Total assets
A
Health grade · Excellent
2.24%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

First Community Bank of Central Alabama earns a PlainBankData health grade of A (88/100), with well-capitalized at 10.81% Tier 1, profitable at 2.24% ROA, efficient (48% cost ratio).

#1,416
largest of 4,313 FDIC banks by assets
67th
percentile by asset size, nationally
10.81%
Tier 1 ratio - above the 10% well-capitalized line
94th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 57124 · AL A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #942/4307
  • PHOTO-FINISH Commerce West Bank · CA
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-CLEAN 1.7% Texas
  • ROA-STRONG 2.24% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Commerce West Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Community Bank of Central Alaba…

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Continental… · CA ·…88/100Commerce West Bank · CA · ne…88/100First Community Bank… · AL ·…88/100Nicolet National Bank · WI ·…88/100United Bank & Trust… · IA · …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Community Bank of Central Alaba… · July 2026

What First Community Bank of Central Alaba…'s Call Report plate shows

First Community Bank of Central Alabama (FDIC Cert #57124) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #942 of 4,307. Tier 1 capital prints at 10.81%, clearing the 10% well-capitalized line. The Texas Ratio is 1.68%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.24%. Balance-sheet scale is $676M, 1,416th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Commerce West Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Community Bank of Central Alaba…

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

First Community Bank of Central Alabama's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Community Bank of Central Alabama remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How First Community Bank of Central Alabama's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
First Community Bank of Central Alabama's composite health score
Tier 1 Capital Ratio (10.81%) 28/40
Return on Assets (ROA) (2.24%) 25/25
Texas Ratio (1.68%) 20/20
Efficiency Ratio (48.34%) 15/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$676M

Total balance-sheet footings

Total Deposits

$624M

Customer-funded liabilities

Net Loans

$456M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.41% 10.81% 12.21%
Basel III capital ratios - First Community Bank of Central Alabama

Where First Community Bank of Central Alabama ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Community Bank of Central Alabama's score of 88/100 falls in the highlighted band.

First Community Bank of Central Alabama: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 22% higher than 78% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Community Bank of Central Alaba… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Community Bank of Central Alabama's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Community Bank of Central Alabama's $676M falls in the highlighted band.

Safety ratios for First Community Bank of Central Alaba…

Tier 1 capital ratio
Well-capitalized 10%

10.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.81%
Texas Ratio
1.68%
Equity Capital
$43M

What these ratios mean →

Earnings posture at First Community Bank of Central Alaba…

Return on Assets (ROA)
94th percentile nationally
2.24%
Return on Equity (ROE)
38.01%
Efficiency Ratio
48.34%

What these mean →

Income & expense at First Community Bank of Central Alaba…

$39M
Interest Income
$5M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Community Bank of Central Alabama reports a Texas Ratio of 1.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Community Bank of Central Alabama on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($676M here), outside Alabama so the neighborhood is not state containment.

The Fountain Trust Company $676M · IN Prospect Bank $676M · IL Thumb Bank and Trust $675M · MI BankOrion $676M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Community Bank of Central Alabama (FDIC Cert #57124) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Community Bank of Central Alabama Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%