First Cmty Bk Heartland Inc (FDIC #14735): Bank Stress & Real-Estate Credit Exposure
First Cmty Bk Heartland Inc (FDIC Cert #14735): bank stress 74/100, elevated, STABLE over 7 days; parent FIRST TRUST FINANCIAL CORP.
First Cmty Bk Heartland Inc (#14735) lends in 6 counties across 2 states; First Cmty Bk Heartland Inc (#14735) reaches 55 ZIP codes: Tennessee 3 counties, 28 ZIPs; Kentucky 3 counties, 27 ZIPs.
First Cmty Bk Heartland Inc (#14735) largest markets: Graves County, KY (18 branches, 18 ZIPs) (#14735), Obion County, TN (12 branches, 12 ZIPs) (#14735), Weakley County, TN (36 branches, 12 ZIPs) (#14735), Dyer County, TN (22 branches, 11 ZIPs) (#14735), Hickman County, KY (7 branches, 7 ZIPs) (#14735), Ballard County, KY (18 branches, 6 ZIPs) (#14735).
First Cmty Bk Heartland Inc (#14735) reports $506.0 million in total assets; First Cmty Bk Heartland Inc (#14735) equity $39.0 million (7.7% of First Cmty Bk Heartland Inc (#14735) assets); First Cmty Bk Heartland Inc (#14735) domestic deposits $446.3 million; First Cmty Bk Heartland Inc (#14735) net income $3.1 million; First Cmty Bk Heartland Inc (#14735) return on assets 1.25%; First Cmty Bk Heartland Inc (#14735) return on equity 16.32%; First Cmty Bk Heartland Inc (#14735) net interest income $9.2 million; First Cmty Bk Heartland Inc (#14735) call report June 30, 2026.
First Cmty Bk Heartland Inc (#14735) noncurrent real-estate loans: none reported; First Cmty Bk Heartland Inc (#14735) net charge-offs on real estate 1.01%; First Cmty Bk Heartland Inc (#14735) residential charge-offs 2.78%.
First Cmty Bk Heartland Inc (#14735) net interest margin 4.02% against an eight-quarter First Cmty Bk Heartland Inc (#14735) average of 3.77% (First Cmty Bk Heartland Inc (#14735) compression -0.25 points); First Cmty Bk Heartland Inc (#14735) real-estate loans 0.2% of equity; First Cmty Bk Heartland Inc (#14735) non-residential real estate 277.8% of equity; First Cmty Bk Heartland Inc (#14735) rate-exposure score 40/100, First Cmty Bk Heartland Inc (#14735) fixed-rate trap 40/100; First Cmty Bk Heartland Inc (#14735) risk type credit driven; First Cmty Bk Heartland Inc (#14735) rate regime rates elevated, First Cmty Bk Heartland Inc (#14735) snapshot October 19, 2026.
First Cmty Bk Heartland Inc (#14735) stress score moved from 72.5 on June 22, 2026 to 73.5 on October 20, 2026; First Cmty Bk Heartland Inc (#14735) ranged 72.5 to 73.5 over 117 snapshots.
First Cmty Bk Heartland Inc (#14735) alerts: 6 counties; top First Cmty Bk Heartland Inc (#14735) alert scores: Martin County, KY 47 (moderate); Clinton County, KY 43 (moderate); Dyersburg County, KY 25 (low); Fancy Farm County, KY 25 (low); South Fulton County, KY 25 (low).