How Big Is First Cmty Bank of Cntl Al?
First Cmty Bank of Cntl Al holds $597M in total assets and $559M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,383rd-largest of the 3,960 FDIC-insured banks we track — in the top 35% by size. Those figures come from First Cmty Bank of Cntl Al's latest FDIC call report (cert #57124); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is First Cmty Bank of Cntl Al?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Cmty Bank of Cntl Al Size at a Glance
- Total assets
- $597M
- Total deposits
- $559M
- Domestic deposits
- $559M
- Size class
- community bank
- Rank by assets
- #1,383 of 3,960
- Headquarters
- Wetumpka, Alabama
Source: FDIC Call Report data (cert #57124). Figures reflect the latest reported quarter.
With $597M in total assets, First Cmty Bank of Cntl Al is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 1,383rd-largest of the 3,960 FDIC-insured banks we track, in the top 35% by size. The bank funds those assets largely with $559M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 10.79% | 68/100 |
| Nonperforming Loan Ratio | 0.26% | 95/100 |
| Liquidity Ratio | 32.99% | 100/100 |
| Return on Assets | 2.40% | 100/100 |
| Total Assets | $0.6B | |
How does First Cmty Bank of Cntl Al compare?
With a Bank Health Score of 87/100, First Cmty Bank of Cntl Al sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Alabama, where 78 FDIC-insured banks are headquartered, First Cmty Bank of Cntl Al ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 10.79% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.26% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Cmty Bank of Cntl Al's Bank Health Score improved by 1.0 points to 87/100. Tier 1 capital was essentially flat at 10.79%. Quarter-over-quarter, the score rose by 1.0 points.
Frequently Asked Questions
First Cmty Bank of Cntl Al holds $597M in total assets and $559M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,383rd-largest of the 3,960 FDIC-insured banks we track — in the top 35% by size. Those figures come from First Cmty Bank of Cntl Al's latest FDIC call report (cert #57124); it is a local community institution, with $100 million to $1 billion in assets.
First Cmty Bank of Cntl Al ranks 1,383rd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 35% by size. Its $597M in assets classify it as a community bank.
First Cmty Bank of Cntl Al reports $597M in total assets and $559M in total deposits ($559M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. First Cmty Bank of Cntl Al earns a Bank Health Score of 87/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $597M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. First Cmty Bank of Cntl Al (FDIC certificate #57124) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Cmty Bank of Cntl Al
First Cmty Bank of Cntl Al holds $597M in total assets and $559M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,383rd-largest of the 3,960 FDIC-insured banks we track — in the top 35% by size. Those figures come from First Cmty Bank of Cntl Al's latest FDIC call report (cert #57124); it is a local community institution, with $100 million to $1 billion in assets.