First Community Bank of the Heartland, Inc.: how it compares with its peers
Against 50 KY banks with half to twice its assets, First Community Bank of the Heartland, Inc.'s strongest measure in Q2 2026 is net interest margin (4.02% vs. a 3.73% peer median). Its weakest relative measure is efficiency ratio (70.22% vs. 58.22%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.25% | 1.28% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.73% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.22% | 58.22% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.2M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.90% | 84.26% | Context |
What it means for lending operations
Its efficiency ratio of 70.22% is above the 58.22% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Casey County Bank, Inc. Liberty, KY · $508M
- River City Bank, Inc. Louisville, KY · $495M
- United Community Bank of West Kentucky, Inc. Morganfield, KY · $525M
- Springfield State Bank Springfield, KY · $487M
- Eclipse Bank, Inc. Louisville, KY · $486M
- The Murray Bank Murray, KY · $534M
Questions about First Community Bank of the Heartland, Inc.
How big is First Community Bank of the Heartland, Inc.?
First Community Bank of the Heartland, Inc., established in 1934, is headquartered in Clinton, KY. It reported $506M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is First Community Bank of the Heartland, Inc.'s return on assets?
1.25% annualized in Q2 2026, against a 1.28% median for 50 KY banks with half to twice its assets, ahead of 46% of them.
What is First Community Bank of the Heartland, Inc.'s efficiency ratio?
70.22% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 58.22%, and lower is better.
Is First Community Bank of the Heartland, Inc. growing its loans?
Net loans grew 8.0% over the year to Q2 2026, while deposits grew 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.