Bank · FDIC insured
First Community Bank of the Heartland
A $506M bank headquartered in Clinton, KY, with 11 branches in 2 states. Best rates: savings 0.33% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings753.01%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Community Bank of the Heartland
Starting in 1936 as First National Bank in Clinton, Kentucky, the institution was renamed First Community Bank of the Heartland in 2014.
The bank converted to a state charter in 2003 and operates 11 banking centers across Kentucky and Tennessee alongside an operations center in Clinton.
- Headquarters
- 114 E Jackson St, Clinton, KY 42031
- FDIC certificate
- 14735 ↗
Branches
11 branches in 2 states
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Tennessee
6 branches
Martin area · 3
- Dresden8610 Highway 22, Dresden, TN 38225Directions
- Martin Banking Center5475 Skyhawk Pkwy, Martin, TN 38237Directions
- Martin--Downtown111 Oxford St, Martin, TN 38237Directions
Dyersburg area · 2
- Dyersburg Branch602 Highway 51 By-Pass, Dyersburg, TN 38024Directions
- Dyersburg-145 Mall Blvd Branch140 Mall Blvd, Dyersburg, TN 38024Directions
Union City area · 1
- South Fulton Branch605 Broadway St, South Fulton, TN 38257Directions
Kentucky
5 branches
Paducah area · 3
- Kevil Banking Center Branch952 Kentucky Ave, Kevil, KY 42053Directions
- La Center Ky Branch414 W Kentucky Dr, La Center, KY 42056Directions
- Wickliffe Main Branch359 Court St, Wickliffe, KY 42087Directions
Clinton area · 1
- First Community Bank of the Heartland, Inc.Main office114 E Jackson St, Clinton, KY 42031Directions
Mayfield area · 1
- Fancy Farm Banking Center Branch10308 State Route 80 W, Fancy Farm, KY 42039Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.12% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.25% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio8.12%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.25%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Community Bank of the Heartland are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.