TellerScore

First Community Bank of Central Alabama is a state-chartered bank headquartered in Wetumpka, Alabama, in business for about 25 years. At the end of Q2 2026 it reported $694.3M in total assets and $638.3M in deposits, with 9 offices.

First Community Bank of Central Alabama has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 93 banks headquartered in Alabama, it ranks 43rd. Earnings contributes the most (100/100, 2.44%); capital cushion contributes the least (36/100, 8.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.57%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings100/100
Return on assets (annualized): 2.44%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 77.7% · 34.6% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the loan quality component improved by 6 points.

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202475
Q4 202474
Q1 202573
Q2 202572
Q3 202571
Q4 202573
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%7.00%8.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.77%
Q3 20248.99%
Q4 20248.74%
Q1 20258.61%
Q2 20258.47%
Q3 20258.47%
Q4 20258.39%
Q1 20268.50%
Q2 20268.57%
Noncurrent loans
0.10%0.24%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.23%
Q4 20240.28%
Q1 20250.26%
Q2 20250.28%
Q3 20250.39%
Q4 20250.19%
Q1 20260.17%
Q2 20260.10%
Return on assets
2.07%2.26%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.25%
Q3 20242.23%
Q4 20242.18%
Q1 20252.07%
Q2 20252.29%
Q3 20252.30%
Q4 20252.24%
Q1 20262.45%
Q2 20262.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$694.3M8.57%0.10%2.44%77.7%
Q1 202673$697.8M8.50%0.17%2.45%74.4%
Q4 202573$675.7M8.39%0.19%2.24%73.2%
Q3 202571$672.6M8.47%0.39%2.30%71.5%
Q2 202572$657.2M8.47%0.28%2.29%71.7%
Q1 202573$661.4M8.61%0.26%2.07%66.1%
Q4 202474$632.0M8.74%0.28%2.18%67.0%
Q3 202475$614.6M8.99%0.23%2.23%66.2%
Q2 202475$596.7M8.77%0.26%2.25%65.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.57%
7th
Total risk-based capital12.02%
52nd
Problem loans0.10%
74th
Net charge-offs0.02%
39th
Return on assets2.44%
95th
Net interest margin4.83%
89th
Efficiency ratio48.0%
87th
Loans to deposits77.7%
54th
Uninsured deposits34.6%
18th
Loan-loss reserves1.86%
91st
Texas ratio1.7%
61st

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
First Southern BankBank Florence, AL18 out of 100, Low$679.2M8.9%10.86%vs
CCB Community BankBank Andalusia, AL79 out of 100, Strong$661.9M10.5%0.19%vs
The Hometown Bank of AlabamaBank Oneonta, AL57 out of 100, Moderate$660.7M11.1%2.03%vs
MidSouth BankBank Dothan, AL66 out of 100, Moderate$771.5M9.3%0.28%vs
Merit BankBank Huntsville, AL64 out of 100, Moderate$581.6M9.7%0.00%vs
Central State BankBank Calera, AL74 out of 100, Strong$890.7M9.0%0.16%vs

Deposit insurance

Is my money safe at First Community Bank of Central Alabama?

Yes. First Community Bank of Central Alabama is an FDIC-insured institution (FDIC certificate #57124). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.6% of deposits ($220.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.57%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.02% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

First Community Bank of Central Alabama lists 9 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Community Bank of Central Alabama
Type
State-chartered bank
FDIC certificate #
57124
RSSD ID
3034257
Primary regulator
FDIC
Holding company
Central Alabama Bancshares Inc
Established
August 28, 2001
Headquarters
715 Wilson St, Wetumpka, AL 36092
Employees
106

Quick answers

First Community Bank of Central Alabama: common questions

Is First Community Bank of Central Alabama FDIC insured?

Yes. First Community Bank of Central Alabama is an FDIC-insured institution (FDIC certificate #57124). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank of Central Alabama's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Community Bank of Central Alabama ever failed?

There is no failure record for FDIC certificate #57124 in the FDIC failed bank list.

How many branches does First Community Bank of Central Alabama have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Wetumpka

InstitutionScoreAssetsCapitalProblem loansCompare
Max Credit UnionCredit union Montgomery, AL89 out of 100, Very strong$2.4B14.5%0.68%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Alabama State Employees Credit UnionCredit union Montgomery, AL80 out of 100, Strong$471.2M12.0%0.31%vs
Fedmont Federal Credit UnionCredit union Montgomery, AL75 out of 100, Strong$13.0M13.4%0.52%vs
Metro City BankBank Doraville, GA73 out of 100, Strong$4.5B11.1%0.44%vs
AmeriFirst BankBank Montgomery, AL69 out of 100, Moderate$364.1M9.7%0.19%vs