First Community Bank of the Heartland
First Community Bank of the Heartland is a privately-held community bank serving approximately 20,511 customers across 11 banking centers in western Kentucky and northwest Tennessee, with $493M in assets and a focus on consumer, agricultural, and small business banking.
- Company typePrivate
- Founded1936
- HeadquartersClinton, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What First Community Bank of the Heartland does
First Community Bank of the Heartland is a privately-held, FDIC-insured state-chartered community bank headquartered in Clinton, Kentucky, operating 11 banking centers across western Kentucky (six counties) and northwest Tennessee (three counties), supported by a centralized Operations Center in Clinton. Founded in 1936 as First National Bank, the institution rebranded to its current name in November 2014 following geographic expansion, and is owned through holding company First Trust Financial Corporation. As of December 31, 2025, FCB reported $493 million in total assets, $438 million in deposits, and $391 million in loans across approximately 20,511 customers served by 112 employees. The bank pursues a community-led go-to-market model combining physical branches with digital channels (CSI-powered online/mobile banking, mobile deposit, $PIN P2P payments, text banking, eStatements) and a referral-driven acquisition motion. Revenue is generated primarily through net interest income on the loan portfolio (agricultural, commercial real estate, SBA, mortgage, HELOC, consumer) and recurring deposit/account fees on checking, savings, and treasury management products. Customer segments span individual consumers, agricultural operations (a heritage specialization backed by FSA/FarmerMac/KAFC partnerships), small and medium businesses (commercial checking, SBA lending, treasury management via Positive Pay, Remote Deposit Capture, and Autobooks), and homebuyers (conventional, FHA, VA, Rural Development, Construction-to-Permanent mortgages, plus the upcoming April 2026 Welcome Home Grant program). The product surface is broad and typical of full-service community banks, with differentiating touches including contactless instant-issue Visa debit cards, the FCB Rewards points program, dealership onsite financing for tractors and powersports, and the MoneyPass surcharge-free ATM network.
First Community Bank of the Heartland firmographics
Firmographics- Name
- First Community Bank of the Heartland
- Legal name
- First Community Bank of the Heartland, Inc.
- Website
- https://fcbheartland.com
- Company type
- Private
- Founded year
- 1936
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- First Community Bank of the Heartland is a privately-held community bank serving approximately 20,511 customers across 11 banking centers in western Kentucky and northwest Tennessee, with $493M in assets and a focus on consumer, agricultural, and small business banking.
- Ownership category
- akta.pro rank
First Community Bank of the Heartland industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Residential Mortgage Origination & Servicing (Retail) (FSABAAAD), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)
Keywords
Where First Community Bank of the Heartland is headquartered
LocationHeadquarters
- HQ city
- Clinton
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
First Community Bank of the Heartland business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Net Interest Income: Primary revenue stream from the spread between interest earned on loans (mortgages, personal loans, auto loans, HELOC, agricultural loans, commercial real estate, SBA loans) and interest paid on deposits (checking, savings, money market, CDs). Products include conventional, FHA, VA, Rural Development, and Construction-to-Permanent mortgages.
- Deposit and Account Fees: Monthly service charges on certain accounts (e.g., $6/month for Premium Interest Checking if balance falls below $1,500; $6/month for Business Interest Checking if below $5,000; $15/month for Commercial Checking). Also includes non-sufficient funds fees, overdraft fees, ATM fees, and foreign transaction fees.
- Business Transaction and Service Fees: Fees on business checking accounts: $0.15 per transaction item for Commercial Checking; transaction fees for exceeding 1,000 free monthly items on Simply Free Business and Business Interest Checking; coin and currency deposit fees when exceeding $10,000/month.
- Check Reordering and Card Services: Revenue from reorder printed checks service and potentially other card-related services.
- MyCorporation Business Registration Referrals: Referral partnership with MyCorporation for business registration services (LLC, corporation formation, DBA, EIN, operating agreements). MyCorporation is a Deluxe Company.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Simply Free Checking — Free personal checking account with no minimum balance and no monthly service charge. |
| Subscription | Monthly | Premium Interest Checking — Interest-earning personal checking for balances $1,500+. |
| Subscription | Monthly | 50 Plus Interest Checking — Interest-earning checking for customers age 50+. |
| Subscription | Monthly | Direct Interest Checking — Interest-earning checking with direct deposit or automatic payment convenience. |
| Subscription | Monthly | Passbook Savings — Traditional savings account. |
| Subscription | Monthly | Student Rewards Savings — Savings account rewarding good grades. |
| Subscription | Monthly | Christmas Club Savings — Savings for holiday expenses, disbursed in early October. |
| Subscription | Monthly | Vacation Club Savings — Savings for vacation/summer fun, disbursed in mid-May. |
| Subscription | Monthly | Money Market — Tiered interest-bearing savings with ATM accessibility. |
| Subscription | Monthly | Health Savings Account (HSA) — Tax-advantaged healthcare savings account. |
| Subscription | Monthly | Simply Free Business Checking — Free business checking for lower transaction volume. |
| Subscription | Monthly | Business Interest Checking — Interest-earning business checking for $5,000+ balances. |
| Subscription | Monthly | Commercial Checking — Business checking for businesses with 1,000+ monthly items. |
| Other | Pay-as-you-go | Welcome Home Grant — Down payment and closing cost assistance for low-to-moderate income homebuyers. |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
First Community Bank of the Heartland product offering
Product offeringCore offering
First Community Bank of the Heartland operates as an FDIC-insured community bank offering consumer and business deposit products (checking, savings, money market, HSA, CDs) and lending products (personal loans, mortgages, HELOC, auto/recreational vehicle loans, agricultural loans, commercial real estate, SBA loans, and lines of credit). Distribution is delivered through 11 physical banking centers across western Kentucky and northwest Tennessee plus 24/7 digital channels including online banking, iOS/Android mobile apps with mobile deposit, eStatements, person-to-person payments, and treasury management tools for businesses.
Product overview
First Community Bank of the Heartland offers a comprehensive community banking platform with a unified architecture combining traditional banking products with digital services. The core product portfolio spans personal and business banking across three main categories: Checking & Savings deposit products (including specialized accounts like Student Rewards, Christmas Club, Health Savings Accounts, and Money Market), Lending products (personal loans, mortgages, HELOCs, auto loans, agriculture loans, commercial real estate, SBA loans, and business lines of credit), and Treasury Management services. Digital banking capabilities are delivered through Online Banking, Mobile Banking (with app for iPhone/Android), and complementary services including Mobile Deposit, eStatements, and Person-to-Person Payments. The bank operates 11 Banking Centers across Kentucky and Tennessee with an additional Operations Center, serving approximately 20,511 customers with $493 million in assets as of December 2025.
Differentiator
Problem solved
Functional benefit
Brands
- FCB Rewards: A free rewards program that rewards customers for everyday spending with their FCB VISA Debit Card. Points can be redeemed for gifts at fcbrewards.com.
- CashPlease
- FCB Rewards VISA Debit Card
- Welcome Home Grant
Products and services
- Personal Checking Accounts Personal checking accounts including Premium Interest Checking (Tier I 0.05% APY; Tier II $1,500+ at 0.16% APY, $6 monthly fee if balance below $1,500), 50 Plus Interest Checking (0.12% APY, no monthly fee, age 50+), Direct Interest Checking (0.11% APY, no monthly fee), and Simply Free Checking (no minimum balance, no monthly fee, earns no interest). All include free instant issue Visa Check Card, MoneyPass ATM access, online banking, mobile banking, and mobile deposit.
- Savings Accounts Multiple savings products including Passbook Savings ($50 minimum opening, 0.10% APY, no minimum balance), Student Rewards Savings ($10 minimum, 0.10% APY, $1 reward per A on qualifying subjects grades 1-12 with report card presented), Christmas Club Savings ($10 minimum, 0.10% APY, funds disbursed early October each year), Vacation Club Savings ($10 minimum, 0.10% APY, funds disbursed mid-May each year), and Money Market ($500 minimum opening, tiered APY up to 3.71% for balances $1M+, $6 monthly fee if balance below $1,500).
- Health Savings Account (HSA)
Quantifiable outcome
- Serving the Heartland since 1936 — nearly 90 years of community banking tradition
- +5 more outcomes
Companies that use First Community Bank of the Heartland
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
First Community Bank of the Heartland technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature6 records
First Community Bank of the Heartland partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- MoneyPasscoreMoneyPass is a surcharge-free ATM network partnership providing FCB customers access to thousands of ATMs nationwide. FCB Check Card holders can use any MoneyPass ATM without paying a surcharge fee. Foreign ATM fees are also waived for FCB Check Card holders using MoneyPass ATMs. No enrollment required — MoneyPass automatically recognizes any FCB Check Card or ATM Card.
- Elan Financial ServicescoreElan Financial Services is the creditor and issuer of FCB's personal and business credit cards (Visa and Mastercard). Elan provides zero fraud liability protection for unauthorized transactions, 24/7 cardmember service, and mobile purchasing capability. Cards are issued pursuant to separate licenses from Visa U.S.A. Inc. and Mastercard International Incorporated.
- MyCorporation (Deluxe Company)minorMyCorporation, a Deluxe Company, provides business registration services to FCB customers including LLC formation, corporation formation, DBA filing, EIN acquisition, and operating agreement preparation. FCB refers customers to MyCorporation for these services, with contact managed by Dana Case, Director of Operations at MyCorporation.
- Small Business Administration (SBA)coreFCB is an SBA-approved lender partner providing SBA Guaranteed Operating Lines to businesses in FCB's communities. SBA loan programs help cover startup costs, expansions, disaster relief, real estate or equipment acquisition, and operating losses. FCB provides creative loan solutions in partnership with federal SBA programs.
- Farm Service Agency (FSA)coreFCB partners with the Farm Service Agency to offer FSA Guaranteed Operating Lines to farmers in the region. The FSA guarantee reduces lender risk, enabling FCB to provide financing to agricultural operations that might not otherwise qualify for conventional loans.
- Visa U.S.A. Inc.coreVisa is the payment network for FCB's branded debit and credit cards. FCB issues contactless instant-issue Visa Debit Cards at banking centers and offers Visa-branded consumer and business credit cards through Elan Financial Services pursuant to a Visa license.
- Mastercard International IncorporatedcoreMastercard is the payment network for FCB-branded credit cards issued through Elan Financial Services pursuant to a Mastercard license.
- Little Tractor and Equipment Co.minorOnsite financing partnership where FCB provides financing for customers purchasing tractors and equipment from this dealership. FCB handles loan origination and servicing; customers receive a Welcome Packet with loan terms after purchase.
- Polaris of BentonminorOnsite financing partnership where FCB provides financing for Polaris powersports vehicles purchased from this dealership, with loan origination and servicing managed by FCB.
Scale indicators12 records
Recent moves17 records
Expansion highlights6 records
First Community Bank of the Heartland competitors and assessment
Company assessmentDirect peers
- Independence Bank of Kentucky: Kentucky-headquartered community bank with branches across western and central Kentucky, offering consumer and business banking, mortgages, and ag lending. Direct competitor for FCB's deposit and loan customers across overlapping rural counties.
- Planters Bank: Kentucky-based community bank with branches across western Kentucky and Tennessee, including markets adjacent to FCB's. Directly comparable community-bank model with consumer/business banking, ag lending, and mortgage products.
- Citizens National Bank (TN): Tennessee community bank serving rural and small-metro markets with consumer and business banking. Direct comparable in size, product breadth, and customer profile for FCB's Tennessee-side counties (Weakley, Dyer, Obion).
- Paducah Bank: Western Kentucky community bank headquartered in Paducah, operating in the McCracken County market that overlaps with FCB's footprint. Comparable in size and product mix (consumer, business, mortgage) and competes directly for the same rural Kentucky households and small businesses.
Broad incumbents
- U.S. Bank: Top-five U.S. national bank with branch presence in Kentucky and Tennessee, competing for the same consumer, small-business, mortgage, and ag-finance customers. Broad incumbent that pressures FCB on deposit pricing and digital expectations while FCB competes on local relationship service.
- Old National Bank: Large regional bank with a significant presence in Kentucky and Tennessee, offering full-service consumer, business, ag, mortgage, and treasury products. Competes with FCB across overlapping geographies as a much larger incumbent with broader capabilities.
- Cadence Bank: Mid-sized regional bank with branch presence across the Southeast including Tennessee. Competes with FCB for commercial, small-business, and consumer customers in shared Tennessee markets with a broader product suite.
Regional players
- Simmons Bank: Arkansas-headquartered regional bank with extensive Tennessee and Kentucky branch presence including ag and small-business lending. Regional peer competing for similar rural/small-metro customers across FCB's footprint.
- Stock Yards Bank & Trust: Kentucky-headquartered community/regional bank offering consumer, business, wealth, and mortgage products. Comparable operating model in Kentucky with adjacent geographic footprint and similar community-bank positioning.
- F&M Bank (Tennessee): Tennessee-headquartered community bank with branches across the western and middle Tennessee region overlapping FCB's Tennessee counties. Comparable community banking model with consumer, business, and ag lending focus, though larger in asset scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
First Community Bank of the Heartland social profiles
Digital presenceFirst Community Bank of the Heartland compliance and trust
Trust signalCompliance5 records
First Community Bank of the Heartland financial estimates
Financial estimateRevenue estimate
Valuation estimate
First Community Bank of the Heartland leadership team
Management profileNumber of profiles
Profiles10 records
First Community Bank of the Heartland funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
First Community Bank of the Heartland M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about First Community Bank of the Heartland
What does First Community Bank of the Heartland do?
First Community Bank of the Heartland operates as an FDIC-insured community bank offering consumer and business deposit products (checking, savings, money market, HSA, CDs) and lending products (personal loans, mortgages, HELOC, auto/recreational vehicle loans, agricultural loans, commercial real estate, SBA loans, and lines of credit). Distribution is delivered through 11 physical banking centers across western Kentucky and northwest Tennessee plus 24/7 digital channels including online banking, iOS/Android mobile apps with mobile deposit, eStatements, person-to-person payments, and treasury management tools for businesses.
Is First Community Bank of the Heartland a public or private company?
First Community Bank of the Heartland is a private company. It is classified as unknown and is currently operating.
When was First Community Bank of the Heartland founded?
First Community Bank of the Heartland was founded in 1936. It employs 51 to 100 people.
Where is First Community Bank of the Heartland based?
First Community Bank of the Heartland is headquartered in Clinton, United States, in the North America region.
How does First Community Bank of the Heartland make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are deposit and Account Fees, business Transaction and Service Fees, check Reordering and Card Services and myCorporation Business Registration Referrals.
Who are First Community Bank of the Heartland's main competitors?
Direct peers on record are Independence Bank of Kentucky, Planters Bank, Citizens National Bank (TN) and Paducah Bank. Broad incumbents are U.S. Bank, Old National Bank and Cadence Bank. Regional players are Simmons Bank, Stock Yards Bank & Trust and F&M Bank (Tennessee).
Does First Community Bank of the Heartland have an API?
No public API is recorded for First Community Bank of the Heartland.
What industry is First Community Bank of the Heartland in?
First Community Bank of the Heartland's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAD, Residential Mortgage Origination & Servicing (Retail). Its NAICS code is 52211 and its SIC code is 6022.