First Community Bank of the Heartland

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fcbheartland.com

270-653-4301

114 East Jackson Street
Clinton, KY 42031

First Community Bank of the Heartland is headquartered in CLINTON and is the 40^th largest bank in the state of Kentucky. It is also the 1,868^th largest bank in the nation. It was established in 1934 and as of December of 2024, it had grown to 108 employees at 11 locations. First Community Bank of the Heartland's money market rates are 9X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	14735
Year Established	1934
Employees	108
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.78%
Return on Equity - YTD	10.46%
Annual Interest Income	$26.1MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$471.9MM$443.3MM
Loans	Q4 2024vs Q4 2023	$374.6MM$353.2MM
Deposits	Q4 2024vs Q4 2023	$423.9MM$369.2MM
Equity Capital	Q4 2024vs Q4 2023	$34.2MM$33.4MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$2.8MM$3.1MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$3.1MM$673K
Real Estate Owned	Q4 2024vs Q4 2023	$41K$81K

TODAY'S FEATURED RATES

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.36%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Community Bank of the Heartland Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$0	-	Passbook Savings
0.10%	$0	-	Student Reward Savings
0.10%	$0	-	Christmas Club
0.10%	$0	-	Vacation Club

First Community Bank of the Heartland Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.81%^*	$1m^*	-	Individual Money Market
OTHER TIERS: 0.33% → $1.5k - $50k \| 0.87% → $50k - $100k \| 1.16% → $100k - $300k \| 1.56% → $300k - $500k \| 3.41% → $500k - $1m

First Community Bank of the Heartland Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.17%	$0	-	Business Interest Checking
0.16%^*	$1.5k^*	-	Premium Interest Checking
OTHER TIERS: 0.05% → $0 - $1.5k
0.12%	$0	-	50 Plus Checking
0.11%	$0	-	Direct Interest Checking

Locations

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Paducah Area

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