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First Community Bank Of Central Alabama
Wetumpka, AL · FDIC Certificate #57124 · Chartered 08/2
Total assets
$694.30M
Total deposits
$638.31M
Total equity
$45.86M
Net loans
$496.05M
Branches (offices)
9
Net income (YTD)
$8.42M
Rank: #1,374 of 4,213 U.S. banks by assets · #24 of 93 in Alabama. Assets changed 5.6% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.44% |
| Return on equity | 37.87% |
| Net interest margin (YTD) | 4.83% |
| Equity to assets | 6.60% |
| Tier 1 leverage ratio | 8.57% |
| Uninsured deposits (share of deposits) | 34.6% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 77.7% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $419.74M | 84.6% | |
| Commercial & industrial | $58.60M | 11.8% | |
| Consumer / individual | $21.93M | 4.4% | |
| Construction & development | $87.87M | 17.7% | |
| Agricultural | $2.31M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $541.02M | $520.57M | $4.37M | $16.95M |
| Jun 2023 | $565.94M | $536.17M | $6.50M | $24.86M |
| Jun 2024 | $596.68M | $558.71M | $6.75M | $31.99M |
| Jun 2025 | $657.24M | $611.10M | $7.43M | $38.20M |
| Jun 2026 | $694.30M | $638.31M | $8.42M | $45.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $638.31M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $638.31M.
Similar-sized banks
Bank Of Ocean City ($694.97M) · Banknorth ($694.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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