Total Assets
$493M
Total balance-sheet footings
FDIC Cert #14735 · Clinton, Kentucky · Est. 1934
First Community Bank of the Heartland, Inc. - FDIC Bank Health Profile
A community-scale look at First Community Bank of the Heartland, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $493M
- Total assets
- C
- Health grade · Fair
- 0.93%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
First Community Bank of the Heartland, Inc. earns a PlainBankData health grade of C (62/100), with well-capitalized at 10.54% Tier 1, 0.93% ROA, 77% efficiency ratio.
- #1,804
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 10.54%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- 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 14735 · KY C · 62/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL
- GRADE-C C (62/100)
- LOWER-Q #3656/4307
- PHOTO-FINISH Farmers Savings Bank · IA
- TIER1-WELL 10.5% Tier 1
- TEXAS-CLEAN 11.8% Texas
- ROA-PAR 0.93% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kentucky: Farmers Savings Bank, IA (±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 the Heartland…
Lowest and highest poles plus nearest scored peers outside Kentucky, not a full FDIC corpus board reprint.
What First Community Bank of the Heartland…'s Call Report plate shows
First Community Bank of the Heartland, Inc. (FDIC Cert #14735) carries a PlainBankData health grade of C at 62/100, 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 #3,656 of 4,307. Tier 1 capital prints at 10.54%, clearing the 10% well-capitalized line. The Texas Ratio is 11.84%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.93%. Balance-sheet scale is $493M, 1,804th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers Savings Bank (IA), 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 the Heartland…
3 FAILURE resolutions in Kentucky since 2000 (3 since 2008)
First Community Bank of the Heartland, Inc.'s home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Community Bank of the Heartland, Inc. remains an active FDIC-insured reporter.
- LOUISA COMMUNITY BANK LOUISA, KY 2019 → KENTUCKY FARMERS BANK CORPORATION
- FIRST FEDERAL BANK LEXINGTON, KY 2013 → YOUR COMMUNITY BANK
- IRWIN UNION BANK, FSB LOUISVILLE, KY 2009 → FIRST FINANCIAL BANK, N.A.
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kentucky banks.
How First Community Bank of the Heartland, Inc.'s 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (10.54%) 28/40
Return on Assets (ROA) (0.93%) 14/25
Texas Ratio (11.84%) 16/20
Efficiency Ratio (76.73%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$438M
Customer-funded liabilities
Net Loans
$388M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Community Bank of the Heartland, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Community Bank of the Heartland, Inc.'s score of 62/100 falls in the highlighted band.
First Community Bank of the Heartland, Inc.: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
62 15th percentile higher than 15% of 4,307 FDIC-insured banks
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 the Heartland, Inc.'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 the Heartland, Inc.'s $493M falls in the highlighted band.
Safety ratios for First Community Bank of the Heartland…
Tier 1 capital ratio
Well-capitalized 10%
10.54% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.54%
Texas Ratio
11.84%
Equity Capital
$37M
Profitability metrics: First Community Bank of the Heartland…
Return on Assets (ROA)
37th percentile nationally
0.93%
Return on Equity (ROE)
12.37%
Efficiency Ratio
76.73%
Income & expense at First Community Bank of the Heartland…
$28M
Interest Income
$4M
Non-Interest Income
$16M
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 the Heartland, Inc. reports a Texas Ratio of 11.84% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.84% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($493M here), outside Kentucky so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Community Bank of the Heartland, Inc. (FDIC Cert #14735) - 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 the Heartland, Inc. Call Report profile · FDIC Failed Bank List · Kentucky FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |