First Community Bank of the Heartland, Inc.
Clinton, KY · Owner: First Trust Financial Corp
$506M
total assets, June 30, 2026
$506M
total assets, June 30, 2026
First Community Bank of the Heartland, Inc. is a state member bank based in Clinton, KY, owned by First Trust Financial Corp. As of June 30, 2026 it held $506.0 million in assets and $446.3 million in deposits; assets were up 6.5% from a year before. It has 11 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$506M
+6.5% in a year · +3.6% in a quarter
Deposits
$446M
+2.3% in a year · -0.1% in a quarter
Loans
$409M
+8.1% in a year · +4.4% in a quarter
Profit so far
$3.1M
Jan 1 to Jun 30, 2026 · +28.9% in a year
Capital ratio
8.12%
-0.10 pts in a year
Return on assets
1.25%
+0.23 pts in a year
Facts
- Type
- State member bank
- Head office
- 114 E Jackson St, Clinton, KY, 42031
- County
- Hickman
- Holding company
- First Trust Financial Corp
- Established
- Jan 1, 1934
- Employees
- 104
- Branches
- 11 in 2 states
- Website
- www.fcbheartland.com
- Id
- b14735
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
11 offices as of June 30, 2026, holding $446.3 million in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| First Community Bank Of The Heartland, Inc. (main office) | Clinton, KY | $141M |
| La Center Ky Branch | La Center, KY | $63.1M |
| Kevil Banking Center Branch | Kevil, KY | $53.9M |
| Martin Banking Center | Martin, TN | $42.8M |
| Dresden | Dresden, TN | $40.8M |
| Fancy Farm Banking Center Branch | Fancy Farm, KY | $31.3M |
| Wickliffe Main Branch | Wickliffe, KY | $23.5M |
| Dyersburg-145 Mall Blvd Branch | Dyersburg, TN | $15.2M |
| Dyersburg Branch | Dyersburg, TN | $13.8M |
| South Fulton Branch | South Fulton, TN | $12.8M |
Related pages
Questions and answers
How big is First Community Bank of the Heartland, Inc.?
$506.0 million in total assets and $446.3 million in deposits as of June 30, 2026, with assets up 6.5% from a year before. Its loans were $409.1 million.
How many branches does First Community Bank of the Heartland, Inc. have?
11 branches in 2 states as of June 30, 2026. The most deposits are in Kentucky ($312.8 million).
Is First Community Bank of the Heartland, Inc. profitable?
Yes: it earned $3.11 million from January 1 to June 30, 2026 (up 28.9% from the same months a year before). Its return on assets was 1.25% a year; about 1% is typical.
Who owns First Community Bank of the Heartland, Inc.?
First Community Bank of the Heartland, Inc. is owned by First Trust Financial Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.