BlastPoint's Banking Scorecard
First Community Bank of the Heartland, Inc.
Micro
Specialty: Agricultural
KY
FDIC cert 14735
Designations: ✓ Community bank
Clinton, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
First Community Bank of the Heartland, Inc. shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$492.7M
+4.4% YoY
+0.5% QoQ
|
+$275.2M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$387.9M
+3.5% YoY
+1.3% QoQ
|
+$248.7M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$438.2M
+3.4% YoY
+2.0% QoQ
|
+$254.5M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.93%
+18.1% YoY
-9.4% QoQ
|
-0.16% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.85%
+8.8% YoY
+0.2% QoQ
|
-0.01% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
76.73%
-3.3% YoY
+1.9% QoQ
|
+9.00% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
1.23%
+50.1% YoY
+41.1% QoQ
|
+0.59% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
88.52%
+0.2% YoY
-0.7% QoQ
|
+14.00% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
14.65%
+15.3% YoY
+11.0% QoQ
|
-7.74% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.97%
+46.9% YoY
+42.2% QoQ
|
+0.52% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
10.54%
+1.7% YoY
-1.7% QoQ
|
+1.69% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.88%
+6.3% YoY
+33.4% QoQ
|
+0.31% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Deposits
Current: $438.2M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $492.7M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $387.9M · Tier avg: $139.2M
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.54% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
41
41th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.52% · Tier avg: 74.53%
26
26th pctile
Efficiency Ratio
Current: 76.73% · Tier avg: 67.73%
24
24th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.64%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.65% · Tier avg: 22.39%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.45%
Top Weaknesses
20
20th pctile
Nonperforming Asset Ratio
Current: 0.97% · Tier avg: 0.45%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.65% · Tier avg: 22.39%
24
24th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.64%
26
26th pctile
Efficiency Ratio
Current: 76.73% · Tier avg: 67.73%
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.52% · Tier avg: 74.53%
41
41th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.54% · Tier avg: 8.85%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
99
99th pctile
Total Loans
Current: $387.9M · Tier avg: $139.2M
99
99th pctile
Total Assets
Current: $492.7M · Tier avg: $217.5M
100
100th pctile
Total Deposits
Current: $438.2M · Tier avg: $183.7M