First Community Bank of the Heartland


Overview / Commentary
270-653-4301
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 1,884th largest bank in the nation. It was established in 1934 and as of September of 2024, it had grown to 104 employees at 11 locations. First Community Bank of the Heartland's money market rates are 9X the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #14735
Year Established1934
Employees104
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD11.25%
Annual Interest Income$19.3MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$466.4MM$438.1MM
LoansQ3 2024vs Q3 2023$370.7MM$343.9MM
DepositsQ3 2024vs Q3 2023$406.2MM$370.5MM
Equity CapitalQ3 2024vs Q3 2023$35.7MM$31.9MM
Loan Loss AllowanceQ3 2024vs Q3 2023$2.7MM$3.1MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1.6MM$1.4MM
Real Estate OwnedQ3 2024vs Q3 2023$41K$106K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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



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