First Community Bank of Central Alabama

715 Wilson Street
Wetumpka, AL 36092

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57124
Date Established 2001
Assets $0.38 billion
Loans $0.25 billion
Deposits $0.35 billion
Capital $0.03 billion

First Community Bank of Central Alabama is an FDIC insured institution located in Wetumpka, AL. It was founded in 2001 and has approximately $0.38 billion in assets. Customers can open an account at one of its 7 branches.

For a more detailed analysis of First Community Bank of Central Alabama's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.40% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.35% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.40% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.35% $1,000 - Learn MoreShow Less
Special: 4 Mo CD
2.00% $1,000 - Learn MoreShow Less
Special: 6 Mo CD
2.05% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less
Special: 9 Mo CD
2.15% $1,000 - Learn MoreShow Less
Special: 12 Mo CD
2.10% $1,000 - Learn MoreShow Less
12 Mo CD
0.70% $1,000 - Learn MoreShow Less
18 Mo CD
0.70% $1,000 - Learn MoreShow Less
24 Mo CD
1.00% $1,000 - Learn MoreShow Less
30 Mo CD
1.00% $1,000 - Learn MoreShow Less
36 Mo CD
1.20% $1,000 - Learn MoreShow Less
48 Mo CD
1.30% $1,000 - Learn MoreShow Less
60 Mo CD
1.50% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.70% $1,000 - Learn MoreShow Less
Special: 4 Mo FIRA
2.00% $1,000 - Learn MoreShow Less
Special: 6 Mo FIRA
2.05% $1,000 - Learn MoreShow Less
Special: 9 Mo FIRA
2.15% $1,000 - Learn MoreShow Less
Special: 12 Mo FIRA
2.10% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $9,999 Learn MoreShow Less

Loan Rates - September 14, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Community Bank of Central Alabama

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to First Community Bank of Central Alabama
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Branches

First Community Bank of Central Alabama branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First Community Bank of Central Alabama Locations


Financial Details

First Community Bank of Central Alabama Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Community Bank of Central Alabama. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First Community Bank of Central Alabama U.S. Bank Average
2.8% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, First Community Bank of Central Alabama had $516,000 in non-current loans and $430,000 in owned real estate. To cover these potential losses it had $28,042,000 in equity and $5,699,000 in loans loss reserves. That gives it a Texas Ratio of 2.8%.

Return on Equity
First Community Bank of Central Alabama U.S. Bank Average
29.76% 9.47%

First Community Bank of Central Alabama has a Return on Equity of 29.76% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First Community Bank of Central Alabama U.S. Bank Average
7.4% 12.49%

First Community Bank of Central Alabama has a Capitalization of 7.4% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First Community Bank of Central Alabama Balance Sheet Analysis

As of March 31, 2019, First Community Bank of Central Alabama had assets of $378,929,000, loans of $245,764,000, and deposits of $346,894,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.09 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.25 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.35 billion
LIABILITIES
Total deposits $0.35 billion
      Interest-bearing deposits $0.26 billion
      Deposits held in domestic offices $0.35 billion
      % insured (estimated) 73.49%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.35 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in First Community Bank of Central Alabama’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, First Community Bank of Central Alabama’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.30
Multifamily
Mortgages
0.39
Credit Card Loans 0.00
Consumer Auto Loans 1.93
Small Business Loans 9.50
Construction and Development Loans 10.94
Commercial Real Estate 30.38
Commercial and Industrial Loans 11.86
Farm Loans 0.24

Frequently Asked Questions About First Community Bank Of Central Alabama

Branches and Savings

Is First Community Bank Of Central Alabama FDIC insured?

Yes. It is covered under FDIC Certificate #57124.

Why does First Community Bank Of Central Alabama pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First Community Bank Of Central Alabama CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First Community Bank Of Central Alabama a commercial bank?

Yes

Where are First Community Bank Of Central Alabama locations?

See branch locations nearby.

Is First Community Bank Of Central Alabama open on Saturdays?

Is First Community Bank Of Central Alabama open on Sundays?

What time does First Community Bank Of Central Alabama open?

What time does First Community Bank Of Central Alabama close?

Are First Community Bank Of Central Alabama ATMs Open 24/7?

Do First Community Bank Of Central Alabama ATMs accept cash deposits?

Can First Community Bank Of Central Alabama customers use other ATMs?

Do First Community Bank Of Central Alabama branches have notaries?

Will First Community Bank Of Central Alabama notarize my document?

What address for First Community Bank Of Central Alabama should I put for incoming ACH transfers?

Will the First Community Bank Of Central Alabama branch print checks?

Do First Community Bank Of Central Alabama checks expire?

Does First Community Bank Of Central Alabama require US citizenship to open account?

Can First Community Bank Of Central Alabama close my account?

Does First Community Bank Of Central Alabama Report to credit bureaus?

Does First Community Bank Of Central Alabama Use Equifax?

What is First Community Bank Of Central Alabama's ACH Routing Number?

What is First Community Bank Of Central Alabama's SWIFT code?

Products

Does First Community Bank Of Central Alabama offer mortgages?

Compare mortgage rates here.

Does First Community Bank Of Central Alabama offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Community Bank Of Central Alabama offer personal loans?

Compare personal loan rates here.

Does First Community Bank Of Central Alabama offer student loans?

Will First Community Bank Of Central Alabama cash a check?

Will First Community Bank Of Central Alabama redeem a savings bond?

Does First Community Bank Of Central Alabama cash savings bonds?

Will First Community Bank Of Central Alabama cash money orders?

Can First Community Bank Of Central Alabama issue a money order?

Does First Community Bank Of Central Alabama do currency exchange?

Background on The Bank

Who owns First Community Bank Of Central Alabama?

How long has First Community Bank Of Central Alabama been around?

Can First Community Bank Of Central Alabama transfer to other banks?

Does First Community Bank Of Central Alabama have quick pay?

Does First Community Bank Of Central Alabama accept rolled coins?

Will First Community Bank Of Central Alabama accept loose change?

Where is First Community Bank Of Central Alabama headquarters?

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