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34 Court St
Chatom, AL 36518

First Community Bank (AL) is headquartered in Chatom and is the 29th largest bank in the state of Alabama. It is also the 2,051st largest bank in the nation. It was established in 1909 and as of June of 2014, it had grown to 99 employees at 10 locations. First Community Bank (AL) has a B+ health rating.

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Business Acceptance Policy

Bank only wants you if your credit rating is 650 or above. This bank is not for every business man.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 First Community Bank (AL) had $6.55 million in non-current loans and owned real-estate with $34.12 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank (AL) a Texas Ratio of 19.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Community Bank (AL) decreased dramatically from 27.94% as of June 30, 2013 to 19.21% as of June 30, 2014, resulting in a positive change of 31.24%.This indicates that the balance sheet and financial strength for First Community Bank (AL) has improved dramatically in recent periods.

Deposit Growth


In the past year, First Community Bank (AL) has decreased its total deposits by -$2.51 million, resulting in -0.92% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Community Bank (AL) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Community Bank (AL) has $320.13 million in assets with $34.12 million in equity, resulting in a capitalization level of 10.66%, which is above average.

Institution Statistics

FDIC Certificate #14720
Year Established1909
Primary RegulatorFDIC
Assets and Liabilities
Assets$320.13 million
Loans$216.32 million
Deposits$271.45 million
Equity Capital$31.35 million
Loan Loss Allowance$2.77 million
Unbacked Noncurrent Loans$5.60 million
Real Estate Owned$951,000
Historic Data - June 2013
Assets$315.64 million
Equity Capital$29.49 million
Loan Loss Allowance$3.04 million
Unbacked Noncurrent Loans$5.60 million
Real Estate Owned$2.74 million
Profit Margin - Quarterly
Return on Assets0.88%
Return on Equity9.24%
Interest Income$6.84 million

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First Community Bank (AL) Savings Account Rates

0.10%--Variable / TDOA IRA
0.10%--Variable / TDOA Roth IRA
0.05%$25-Vacation Club
0.05%--Christmas Club
0.05%$100-Regular Savings Account
0.05%$25-Kid's Club

First Community Bank (AL) Money Market Rates

0.35%$500k-Money Market Account

First Community Bank (AL) Checking Account Rates

1.00%-$20kFirst Reward Checking - Qualifying
0.10%$25k-NOW Account
0.05%$1,500-J.O.Y. PLUS
0.05%--First Reward Checking - Non Qualifying

First Community Bank (AL) CD Rates

1.00%$500-60 Month CD
0.85%$500-48 Month CD
0.75%$500-36 Month CD
0.60%$500-30 Month CD
0.55%$500-24 Month CD
0.45%$500-18 Month CD
0.40%$500-12 Month CD
0.40%$500-15 Month CD
0.15%$500-6 Month CD
0.10%$500-3 Month CD

First Community Bank (AL) IRA Rates

1.00%$500-60 Month IRA
0.85%$500-48 Month IRA
0.75%$500-36 Month IRA
0.55%$500-24 Month IRA
0.40%$500-12 Month IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA

First Community Bank (AL) Locations
Spanish Fort Branch10021 Hwy 31Spanish Fort, AL 36527
Saraland Branch1063 Industrial ParkwaySaraland, AL 36571
Military Road Branch18930 U S Hwy 43Mount Vernon, AL 36560
Citronelle Branch19495 North Third StreetCitronelle, AL 36522
Daphne Branch27555 US Highway 98Daphne, AL 36526
Dauphin Street Branch2862 Dauphin StreetMobile, AL 36606
Millry Branch30122 Hwy 17 SouthMillry, AL 36558
First Community Bank34 Court StChatom, AL 36518
Cottage Hill Road Branch5229 Cottage Hill RoadMobile, AL 36609
Zeigler Corners Branch720 Schillinger Road NorthMobile, AL 36608