First Community Bank of the Heartland

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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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

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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

Member FDIC

up to $300

Our Rating

4.2 / 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 1,906^th largest bank in the nation. It was established in 1934 and as of March of 2025, 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 Q1 2025

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	1.05%
Return on Equity - YTD	14.05%
Annual Interest Income	$6.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$462.2MM$445.2MM
Loans	Q1 2025vs Q1 2024	$366.2MM$355.5MM
Deposits	Q1 2025vs Q1 2024	$423.6MM$386.6MM
Equity Capital	Q1 2025vs Q1 2024	$35.4MM$33.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.8MM$3.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.9MM$943K
Real Estate Owned	Q1 2025vs Q1 2024	$41K$81K

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

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

up to $300

Our Rating

4.2 / 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

Availability

Paducah Area

Paducah Area bank & credit union details

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