FIRST TRUST FINANCIAL CORP is the parent banking group. FIRST COMMUNITY BANK OF THE HEARTLAND, INC. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FIRST TRUST FINANCIAL CORP

Legal name: FIRST TRUST FINANCIAL CORPORATION

1 active bank · $488M combined assets

RSSD ID: 2156451 (FFIEC NIC)

Combined Assets

$488M

CRA Rating Summary

Satisfactory1charter

Across all 5 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST COMMUNITY BANK OF THE HEARTLAND, INC.CLINTON, KYSatisfactory$488MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$488M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$447M

Net Income

$1M

ROA (avg)

1.22%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

209

Origination Rate

77.99%

Denial Rate

11.96%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST COMMUNITY BANK OF THE HEARTLAND, INC.	CLINTON, KY	FDIC	$488M	100.0%	Satisfactory	Nov 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.