Total Assets
$676M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$624M
Customer-funded liabilities
Net Loans
$456M
Outstanding loan book
Net Income
$15M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
94th percentile nationally
2.24%
Return on Equity (ROE)
38.01%
Efficiency Ratio
48.34%
What the numbers say about First Community Bank of Central Alabama
First Community Bank of Central Alabama is an FDIC-insured institution (Certificate #57124) headquartered in Wetumpka, Alabama, established in 2001. It holds $676M in total assets - 1,416th of 4,313 FDIC-insured banks, $624M in customer deposits, and $456M in net loans. Looking at capital strength, Tier 1 stands at 10.81%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.68%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Alabama, First Community Bank of Central Alabama ranks 25th of 94 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Alabama by total assets
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.
Other banks in Alabama
All Alabama banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First Community Bank of Central Alabama's health grade?▼
First Community Bank of Central Alabama receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First Community Bank of Central Alabama?▼
First Community Bank of Central Alabama holds $676M in total assets and $624M in deposits, ranking 1,416th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wetumpka, Alabama.
Is my money safe at First Community Bank of Central Alabama?▼
Yes, deposits at First Community Bank of Central Alabama (Certificate #57124) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Community Bank of Central Alabama's Tier 1 Capital Ratio?▼
First Community Bank of Central Alabama has a Tier 1 Capital Ratio of 10.81%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Community Bank of Central Alabama?▼
First Community Bank of Central Alabama has a Texas Ratio of 1.68%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Community Bank of Central Alabama?▼
First Community Bank of Central Alabama has an Efficiency Ratio of 48.34%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Community Bank of Central Alabama's profile as a depositor or analyst.
- First Community Bank of Central Alabama's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Community Bank of Central Alabama against other Alabama banks before moving funds. Alabama banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.