KY lenders / Community Bank
First Community Bank of the Heartland, Inc.
Community Bank · Clinton, KY · First Trust Financial Corp
- Total assets
- $488.3M
- CRE loan book
- $59.9M
- QoQ CRE growth
- 7.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.56% as of Q1 2026 — TX bank median 4.87% (1.70pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.56% | 6.69% |
| Q4 2025 | 6.61% | 6.84% |
| Q3 2025 | 6.76% | 6.87% |
| Q2 2025 | 6.68% | 6.97% |
| Q1 2025 | 6.38% | 6.67% |
| Q4 2024 | 6.79% | 6.95% |
| Q3 2024 | 6.62% | 6.87% |
| Q2 2024 | 6.48% | 6.70% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $59.9M | $11.1M | $2.7M | 64% | $813,000 |
| Q4 2025 | $56.0M | $11.3M | $2.7M | 66% | $493,000 |
| Q3 2025 | $55.5M | $10.6M | $2.8M | 64% | $0 |
| Q2 2025 | $47.0M | $3.3M | $2.8M | 47% | $0 |
| Q1 2025 | $46.9M | $3.3M | $3.5M | 49% | $0 |
| Q4 2024 | $47.5M | $2.9M | $3.6M | 52% | $0 |
| Q3 2024 | $46.2M | $1.8M | $3.6M | 50% | $0 |
| Q2 2024 | $45.4M | $1.1M | $3.6M | 48% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Center National BankCommunity Bank · Litchfield · $59.7M CRE book
- State Bank of GraymontCommunity Bank · Graymont · $60.2M CRE book
- The Farmers Bank of MiltonCommunity Bank · Milton · $59.5M CRE book
- BankwestCommunity Bank · Rockford · $60.6M CRE book
- The Pecos County State BankCommunity Bank · Fort Stockton · $60.7M CRE book
See all alternatives to First Community Bank of the Heartland, Inc. →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.