🏦Bank Scorer

FIRST COMMUNITY BANK OF CENTRAL ALABAMA

WETUMPKA, AL · Supervised by FDIC

Est. 2001FDIC #57,124RSSD: FDIC-57124
Part ofCENTRAL ALABAMA BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.45%

Institution Profile

FDIC BankFind

Address

715 Wilson St, WETUMPKA, AL

County

Elmore County

Established

August 28, 2001

Total Assets

$698M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$698M

Total Deposits

$644M

Net Loans

$479M

Net Income

$4M

ROA

2.45%

ROE

38.53%

Risk-Based Capital

11.76%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.57%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$611M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411582.61%9.57%
20238684.88%10.47%
202214586.21%8.28%
202112174.38%20.66%
20209765.98%21.65%
201917276.16%17.44%
201816179.5%11.18%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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