First Community Bank of the Heartland, Inc.
Clinton, KY
IDRSSD: 837149
Total Assets
$492.70M
Latest filing
Total Deposits
$438.20M
Latest filing
Net Interest Margin
3.85%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Community Bank of the Heartland, Inc.
114 E Jackson St
Clinton, KY 42031
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 9216
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First Community Bank of the Heartland, Inc. (Main) | 114 E Jackson St | Clinton, KY |
| WICKLIFFE MAIN BRANCH | 359 Court St | Wickliffe, KY |
| FANCY FARM BANKING CENTER BRANCH | 10308 State Route 80 W | Fancy Farm, KY |
| LA CENTER KY BRANCH | 414 W Kentucky Dr | La Center, KY |
| MARTIN BANKING CENTER | 5475 Skyhawk Pkwy | Martin, TN |
| DRESDEN | 8610 Highway 22 | Dresden, TN |
| MARTIN--DOWNTOWN | 111 Oxford St | Martin, TN |
| DYERSBURG BRANCH | 602 Highway 51 By-Pass | Dyersburg, TN |
Showing 7 of 10
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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42031 |
| State and County Number | 21105 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 104 |
| Domestic Offices | 11 |
| 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 | 09/10/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fcbheartland.com |
| Data Updated | 01/30/2026 |
| CERT | 14735 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $492.70M |
| Total Deposits | $438.20M |
| Total Liabilities | $455.53M |
| Total Equity Capital | $37.17M |
| Net Income | $790.00k |
| Net Loans and Leases | $387.92M |
| Assets Per Employee ($Millions) | $4.74M |
| Bank Premises and Fixed Assets | $16.18M |
| Cash and Balances due from Depository Institutions | $26.58M |
| Deposits Held in Domestic Offices | $438.20M |
Key Performance Ratios
| Return on Assets (ROA) | 0.64% |
| Return on Equity (ROE) | 8.5% |
| Net Interest Margin | 3.85% |
| Efficiency Ratio | 80.93% |
| Tier 1 Risk-Based Capital Ratio | 10.537% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.545% |
| Earning Assets to total Assets | 92.18% |
Income and Expense
| Total Interest Income | $7.07M |
| Total Noninterest Income | $1.10M |
| Total Interest Expense | $2.71M |
| Total Noninterest Expense | $4.41M |
| Net Interest Income | $4.36M |
| Pre-tax Net Operating Income | $790.00k |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $14.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $495.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.33M |
| Total Liabilities and Capital | $492.70M |
Securities
| Securities | $44.09M |
| Available-for-sale debt securities | $44.09M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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.?
$492.70M as of the latest filing.
How much are First Community Bank of the Heartland, Inc.'s total deposits?
$438.20M in total deposits.
Where is First Community Bank of the Heartland, Inc. located?
Clinton, KY.
What is the Net Interest Margin?
3.85%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.64%.
How much are total loans and leases?
$387.92M (latest filing).
What is the total interest income (latest filing)?
$7.07M.