BlastPoint's Banking Scorecard

First Community Bank of the Heartland, Inc.

$100M-$1B Specialty: Agricultural KY FDIC cert 14735

Clinton, KY

11 branches across TN · KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
Deposits +2.3% year over year ($446.3M on the books).
Delinquency rate 1.08%.
Return on assets 1.25%.
Efficiency ratio 70.22% vs a 64.48% peer average.
Loan-to-deposit ratio 90.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (KY) →

First Community Bank of the Heartland, Inc. faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 33.4% in tier
- Capital Thin: Bottom 41.6% in tier
- ROA 0.07% below tier average
- Efficiency Ratio 5.74% above tier average
- Delinquency Rate 0.16% above tier average

Get updates when First Community Bank of the Heartland, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$506.0M +6.5% YoY +3.6% QoQ	+$119.4M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	72%
Total Loans ?	$405.7M +8.0% YoY +4.4% QoQ	+$147.4M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$446.3M +2.3% YoY -0.1% QoQ	+$119.6M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	1.25% +22.1% YoY +3.0% QoQ	-0.07%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	4.02% +4.5% YoY +3.9% QoQ	+0.04%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	55%
Efficiency Ratio ?	70.22% -5.5% YoY -3.2% QoQ	+5.74%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	1.08% -51.3% YoY +7.0% QoQ	+0.16%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	90.90% +5.7% YoY +4.5% QoQ	+12.95%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	13.14% -1.3% YoY -11.2% QoQ	-8.89%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	0.86% -50.6% YoY +7.8% QoQ	+0.20%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	9.61% -10.6% YoY -8.9% QoQ	-6.30%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	Bottom 6.1% in tier
Non-Interest Income / Assets ?	0.44% -0.6% YoY +104.2% QoQ	-0.12%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	Top 11.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Noninterest-Bearing	13.1% -0.2pp YoY -1.7pp QoQ	-9.0pp	22.1%	23.5%	22.2%	17%
Brokered Deposits	6.8% -3.2pp YoY -0.1pp QoQ	-1.0pp	7.9%	5.4%	8.5%	63%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	5.0% -0.5pp YoY -0.2pp QoQ	-6.6pp	11.6%	8.6%	12.5%	20%
CRE	15.2% +2.7pp YoY -0.2pp QoQ	-24.3pp	39.5%	37.1%	41.4%	11%
1-4 Family	27.8% 0.0pp YoY 0.0pp QoQ	-4.8pp	32.6%	41.6%	31.3%	46%
Consumer	2.9% -0.7pp YoY -0.3pp QoQ	-1.2pp	4.1%	4.8%	5.0%	59%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	9.6% -1.1pp YoY -0.9pp QoQ	-9.2pp	18.8%	20.2%	19.7%	1%
Leverage Ratio	8.1% -0.1pp YoY 0.0pp QoQ	-4.0pp	12.2%	14.0%	12.6%	3%
Total Capital Ratio	10.5% -1.2pp YoY -1.0pp QoQ	-9.5pp	19.9%	21.3%	20.8%	0%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	104 -2 (-1.9%) YoY 0 QoQ	+45	58	105	482	88%
Assets per Employee ($)	$4.9M +8.5% YoY +3.6% QoQ	-$2.7M	$7.5M	$6.3M	$8.8M	12%
Branch Count	11 0 YoY 0 QoQ	+6	4	8	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% -1.7pp YoY 0.0pp QoQ	+0.1pp	0.3%	0.3%	0.4%	80%
Nonaccrual	0.7% +0.5pp YoY +0.1pp QoQ	-0.3pp	0.9%	0.8%	1.0%	60%
Allowance Coverage	0.77x +110.8% YoY -1.6% QoQ	-23.38x	24.15x	7.45x	20.23x	19%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	16.3% +2.5pp YoY +0.5pp QoQ	+4.1pp	12.2%	13.3%	11.6%	74%
Cost of Funds (YTD)	2.3% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.7%	1.7%	84%
Net Income ($, YTD)	$3.1M +28.9% YoY — QoQ	+$553K	$2.6M	$5.1M	$40.4M	71%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#232 of 691 • Bottom 33.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.90%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Capital Thin

risk

#276 of 661 • Bottom 41.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.61%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

306

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.57%

#306 of 2643 Top 11.5% in $100M-$1B

532

Total Loans

size

Value: $405.70M

Peer Median: $258.35M

#532 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (4 metrics)

2484

Tier 1 Capital Ratio

capital

Value: 9.61%

Peer Median: 15.91%

#2484 of 2643 Bottom 6.1% in $100M-$1B

2172

Non-Interest-Bearing Deposit Share

funding

Value: 13.14%

Peer Median: 22.03%

#2172 of 2643 Bottom 17.9% in $100M-$1B

2008

Nonperforming Asset Ratio

credit_quality

Value: 0.86%

Peer Median: 0.67%

#2008 of 2643 Bottom 24.1% in $100M-$1B

2002

Loan-to-Deposit Ratio

liquidity

Value: 90.90%

Peer Median: 77.95%

#2002 of 2643 Bottom 24.3% in $100M-$1B