BanksFIRST BANK

FIRST BANK

SOUTHERN PINES, NCRegionalEst. Jan. 1, 1934, midnightFDIC #15019RSSD #216922FED
Latest · 2025-12-31

FIRST BANK is an FDIC-insured commercial bank headquartered in SOUTHERN PINES, NC, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $12.7B and total deposits of $10.8B. Profitability stands at 0.54% ROA and 4.08% ROE, with a net interest margin of 3.69%. CET1 capital ratio: 14.69%, well above regulatory minimums. NPL ratio: 0.42% · Texas Ratio: 2.06%. Operates 114 domestic branches.

Assets
$12.7B
Deposits
$10.8B
Loans
$8.7B
Equity
$1.7B

Profitability

Return on Assets (ROA)0.54%
Return on Equity (ROE)4.08%
Net Interest Margin3.69%
Yield on Assets4.92%
Cost of Funds1.33%

Asset Quality

NPL Ratio0.42%
Net Charge-Off Ratio0.10%
Texas Ratio2.06%
NPA Ratio0.30%
ACL / Loans1.42%

Capital & Liquidity

CET1 Ratio14.69%
Tier 1 Capital14.69%
Total Capital Ratio15.94%
Leverage Ratio11.08%
Loan-to-Deposit81.15%

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