TellerScore

Headquartered in Clinton, Kentucky, First Community Bank of the Heartland, Inc. is a state-chartered bank (fed member) with $506.0M in total assets and $446.3M in deposits as of Q2 2026. It operates 11 offices across 2 states. Its charter dates back to 1934.

Based on its Q2 2026 filing, First Community Bank of the Heartland, Inc. scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 108th. Its strongest component is problem-loan coverage (79/100; 10.3%), and its lowest is capital cushion (31/100; 8.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Tier 1 leverage ratio: 8.12%
Loan quality64/100
Noncurrent loans ÷ total loans: 1.07%
Earnings70/100
Return on assets (annualized): 1.25%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 90.9% · 24.1% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.32%

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 12 points (44 → 56), mostly because the loan quality component improved by 37 points.

TellerScore
445158Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202457
Q4 202455
Q1 202553
Q2 202544
Q3 202557
Q4 202552
Q1 202658
Q2 202656
Tier 1 leverage ratio
5.00%6.61%8.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.21%
Q3 20248.22%
Q4 20247.99%
Q1 20258.20%
Q2 20258.22%
Q3 20258.23%
Q4 20258.07%
Q1 20268.17%
Q2 20268.12%
Noncurrent loans
0.71%1.45%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.09%
Q3 20240.71%
Q4 20240.81%
Q1 20251.31%
Q2 20252.20%
Q3 20250.86%
Q4 20251.22%
Q1 20261.00%
Q2 20261.07%
Return on assets
0.78%1.02%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.85%
Q4 20240.78%
Q1 20251.05%
Q2 20251.03%
Q3 20251.02%
Q4 20250.93%
Q1 20261.22%
Q2 20261.25%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$506.0M8.12%1.07%1.25%90.9%
Q1 202658$488.3M8.17%1.00%1.22%87.0%
Q4 202552$492.7M8.07%1.22%0.93%88.5%
Q3 202557$490.1M8.23%0.86%1.02%89.1%
Q2 202544$475.1M8.22%2.20%1.03%86.0%
Q1 202553$462.2M8.20%1.31%1.05%86.4%
Q4 202455$471.9M7.99%0.81%0.78%88.4%
Q3 202457$466.4M8.22%0.71%0.85%91.3%
Q2 202453$453.9M8.21%1.09%0.81%89.2%

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 ratio8.12%
3rd
Total risk-based capital10.45%
49th
Problem loans1.07%
26th
Net charge-offs0.02%
42nd
Return on assets1.25%
50th
Net interest margin4.02%
55th
Efficiency ratio70.2%
29th
Loans to deposits90.9%
24th
Uninsured deposits24.1%
49th
Loan-loss reserves0.82%
12th
Texas ratio10.3%
17th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Casey County Bank, Inc.Bank Liberty, KY71 out of 100, Strong$508.4M8.3%0.10%vs
River City Bank, Inc.Bank Louisville, KY74 out of 100, Strong$494.9M11.7%0.36%vs
United Community Bank of West Kentucky, Inc.Bank Morganfield, KY78 out of 100, Strong$524.9M11.0%0.11%vs
Springfield State BankBank Springfield, KY79 out of 100, Strong$486.9M14.0%0.56%vs
Eclipse Bank, Inc.Bank Louisville, KY61 out of 100, Moderate$485.7M9.5%0.31%vs
The Murray BankBank Murray, KY60 out of 100, Moderate$534.1M10.0%1.95%vs

Deposit insurance

Is my money safe at First Community Bank of the Heartland, Inc.?

Yes. First Community Bank of the Heartland, Inc. is an FDIC-insured institution (FDIC certificate #14735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.1% of deposits ($107.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.12%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.45% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

First Community Bank of the Heartland, Inc. lists 11 offices in 9 cities across 2 states. Most locations:

  • Dyersburg, TN (2)
  • Martin, TN (2)
  • Clinton, KY (1)
  • Dresden, TN (1)
  • Fancy Farm, KY (1)
  • Kevil, KY (1)
  • La Center, KY (1)
  • South Fulton, TN (1)
  • Wickliffe, KY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Community Bank of the Heartland, Inc. reported 197 home-loan applications under HMDA (LEI 254900S72Y8VX4GAD318): 150 originated ($29,140,000 total), 22 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Community Bank of the Heartland, Inc.
Former names
First National Bank in Clinton; First National Bank of Clinton; First Community Bank of Western Kentucky, Inc.
Type
State-chartered bank (Fed member)
FDIC certificate #
14735
RSSD ID
837149
Primary regulator
FED
Holding company
First Trust Financial Corp
Established
January 1, 1934
Headquarters
114 E Jackson St, Clinton, KY 42031
Employees
104

Quick answers

First Community Bank of the Heartland, Inc.: common questions

Is First Community Bank of the Heartland, Inc. FDIC insured?

Yes. First Community Bank of the Heartland, Inc. is an FDIC-insured institution (FDIC certificate #14735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Community Bank of the Heartland, Inc.'s TellerScore?

56 out of 100 (Moderate), 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 the Heartland, Inc. ever failed?

There is no failure record for FDIC certificate #14735 in the FDIC failed bank list.

How many branches does First Community Bank of the Heartland, Inc. have?

11 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Clinton

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens' Bank of CharlestonBank Charleston, MO86 out of 100, Very strong$185.1M20.5%0.83%vs
The Citizens BankBank Hickman, KY82 out of 100, Strong$220.4M12.7%0.34%vs
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Commercial Bank & Trust Co.Bank Paris, TN80 out of 100, Strong$1.1B12.1%0.15%vs
Security Bank and Trust CompanyBank Paris, TN79 out of 100, Strong$1.7B10.9%0.02%vs
Citizens Deposit Bank of Arlington, Inc.Bank Arlington, KY77 out of 100, Strong$348.2M13.7%0.94%vs