First Community Bank of the Heartland

Overview / Commentary
114 East Jackson Street
Clinton, KY 42031

First Community Bank of the Heartland is headquartered in CLINTON and is the 40th largest bank in the state of Kentucky. It is also the 1,928th largest bank in the nation. It was established in 1934 and as of September of 2023, it had grown to 107 employees at 11 locations. First Community Bank of the Heartland's money market rates are 5X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #14735
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD12.09%
Annual Interest Income$15.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$438.1MM$392.3MM
LoansQ3 2023vs Q3 2022$343.9MM$304.3MM
DepositsQ3 2023vs Q3 2022$370.5MM$335.6MM
Equity CapitalQ3 2023vs Q3 2022$31.9MM$26.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$3.1MM$3.1MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.4MM$1.5MM
Real Estate OwnedQ3 2023vs Q3 2022$106K$364K
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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

0.10%--Passbook Savings
0.10%--Student Reward Savings
0.10%--Christmas Club
0.10%--Vacation Club

First Community Bank of the Heartland Money Market Rates

2.26%*$1m*-Individual Money Market
OTHER TIERS: 0.33% $1.5k - $50k | 0.87% $50k - $100k | 1.16% $100k - $300k | 1.56% $300k - $500k | 1.81% $500k - $1m

First Community Bank of the Heartland Checking Account Rates

0.17%--Business Interest Checking
0.16%*$1.5k*-Premium Interest Checking
OTHER TIERS: 0.05% Up to $1.5k
0.12%--50 Plus Checking
0.11%--Direct Interest Checking


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