First Community Bank of Central Alabama
Wetumpka, AL
IDRSSD: 3034257
Total Assets
$672.58M
Latest filing
Total Deposits
$622.03M
Latest filing
Net Interest Margin
4.83%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank of Central Alabama
715 Wilson St
Wetumpka, AL 36092
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/28/2001FDIC Certificate 358137
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Community Bank of Central Alabama (Main) | 715 Wilson St | Wetumpka, AL |
| MILLBROOK BRANCH | 3300 Highway 14 | Millbrook, AL |
| ECLECTIC BRANCH | 1875 Kowaliga Rd | Eclectic, AL |
| PRATTVILLE BRANCH | 1761 E Main St | Prattville, AL |
| HOLTVILLE ROAD BRANCH | 9788 Holtville Rd | Wetumpka, AL |
| WEST PRATTVILLE BRANCH | 211 Highway 82 Byp W | Prattville, AL |
| TALLASSEE BRANCH | 526 Gilmer Ave | Tallassee, AL |
| TALLASSEE BRANCH | 1600 Alabama Highway 229 | Tallassee, AL |
Showing 7 of 7
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/28/2001 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36092 |
| State and County Number | 01051 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Montgomery, AL |
Operational Info
| Number of Employees | 99 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/28/2001 |
| Primary Insurance Agency | DIF |
| Website | http://www.fcbca.com |
| Data Updated | 11/14/2025 |
| CERT | 57124 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $672.58M |
| Total Deposits | $622.03M |
| Total Liabilities | $631.14M |
| Total Equity Capital | $41.44M |
| Net Income | $3.88M |
| Net Loans and Leases | $444.94M |
| Assets Per Employee ($Millions) | $6.73M |
| Bank Premises and Fixed Assets | $8.86M |
| Cash and Balances due from Depository Institutions | $16.47M |
| Deposits Held in Domestic Offices | $622.03M |
Key Performance Ratios
| Return on Assets (ROA) | 2.34% |
| Return on Equity (ROE) | 39.03% |
| Net Interest Margin | 4.83% |
| Efficiency Ratio | 48.66% |
| Tier 1 Risk-Based Capital Ratio | 10.83% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.161% |
| Earning Assets to total Assets | 96.7% |
Income and Expense
| Total Interest Income | $9.99M |
| Total Noninterest Income | $1.25M |
| Total Interest Expense | $2.29M |
| Total Noninterest Expense | $4.35M |
| Net Interest Income | $7.70M |
| Pre-tax Net Operating Income | $4.22M |
| Provision for Credit Losses | $375.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $89.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $29.20M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.11M |
| Total Liabilities and Capital | $672.58M |
Securities
| Securities | $164.93M |
| Available-for-sale debt securities | $88.00M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $76.93M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Community Bank of Central Alabama?
$672.58M as of the latest filing.
How much are First Community Bank of Central Alabama's total deposits?
$622.03M in total deposits.
Where is First Community Bank of Central Alabama located?
Wetumpka, AL.
What is the Net Interest Margin?
4.83%.
How many domestic offices does it operate?
8.
When was it established?
08/28/2001.
What is the Return on Assets (ROA)?
2.34%.
How much are total loans and leases?
$444.94M (latest filing).
What is the total interest income (latest filing)?
$9.99M.