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First Community Bank Of The Heartland, Inc.
Clinton, KY · FDIC Certificate #14735 · Chartered 01/0
Total assets
$505.97M
Total deposits
$446.31M
Total equity
$39.02M
Net loans
$405.70M
Branches (offices)
11
Net income (YTD)
$3.11M
Rank: #1,771 of 4,213 U.S. banks by assets · #38 of 120 in Kentucky. Assets changed 6.5% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 16.32% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 7.71% |
| Tier 1 leverage ratio | 8.12% |
| Uninsured deposits (share of deposits) | 24.1% |
| Noncurrent loans (share of loans) | 1.07% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 90.9% |
| Real estate loans (share of loans) | 82.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $333.66M | 82.2% | |
| Commercial & industrial | $20.31M | 5.0% | |
| Consumer / individual | $11.89M | 2.9% | |
| Construction & development | $10.32M | 2.5% | |
| Agricultural | $37.45M | 9.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $369.68M | $337.86M | $2.21M | $26.81M |
| Jun 2023 | $420.75M | $367.02M | $1.81M | $32.76M |
| Jun 2024 | $453.86M | $406.62M | $1.82M | $34.02M |
| Jun 2025 | $475.12M | $436.45M | $2.41M | $35.05M |
| Jun 2026 | $505.97M | $446.31M | $3.11M | $39.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $312.78M | 5 |
| Tennessee | $133.53M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $446.31M.
Similar-sized banks
The Peoples State Bank ($506.62M) · Merchants Commercial Bank ($505.96M)
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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