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First Community Bank of the Heartland, Inc.

Clinton, KY
IDRSSD: 837149
Total Assets
$490.09M
Latest filing
Total Deposits
$429.78M
Latest filing
Net Interest Margin
3.84%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP42031
State and County Number21105
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees106
Domestic Offices11
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance09/10/1934
Primary Insurance AgencyDIF
Websitewww.fcbheartland.com
Data Updated11/14/2025
CERT14735
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$490.09M
Total Deposits$429.78M
Total Liabilities$452.88M
Total Equity Capital$37.20M
Net Income$1.23M
Net Loans and Leases$383.09M
Assets Per Employee ($Millions)$4.71M
Bank Premises and Fixed Assets$16.42M
Cash and Balances due from Depository Institutions$27.72M
Deposits Held in Domestic Offices$429.78M

Key Performance Ratios

Return on Assets (ROA)1.02%
Return on Equity (ROE)13.6%
Net Interest Margin3.84%
Efficiency Ratio77.07%
Tier 1 Risk-Based Capital Ratio10.719%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.591%
Earning Assets to total Assets91.95%

Income and Expense

Total Interest Income$7.00M
Total Noninterest Income$1.10M
Total Interest Expense$2.75M
Total Noninterest Expense$4.13M
Net Interest Income$4.26M
Pre-tax Net Operating Income$1.23M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$19.50M
Federal Funds Sold & Reverse Repurchase Agreement$2.38M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.60M
Total Liabilities and Capital$490.09M

Securities

Securities$43.26M
Available-for-sale debt securities$43.26M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First Community Bank of the Heartland, Inc.?
$490.09M as of the latest filing.
How much are First Community Bank of the Heartland, Inc.'s total deposits?
$429.78M in total deposits.
Where is First Community Bank of the Heartland, Inc. located?
Clinton, KY.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$383.09M (latest filing).
What is the total interest income (latest filing)?
$7.00M.