FIRST BANK

MCCOMB, MS | Medium | Est. June 25, 1895, midnight | FDIC #5907 | RSSD #875936 | FDIC
Latest Report: 2025-12-31

FIRST BANK is amn medium FDIC-insured commercial bank headquartered in MCCOMB, MS, established in June 25, 1895, midnight. As of 2025-12-31, the bank reported total assets of $529M and total deposits of $450M. Profitability stands at 1.42% ROA and 10.26% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 14.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.63% and a Texas Ratio of 4.54%. FDIC Certificate #5907.

Assets

$529M

Deposits

$450M

Loans

$370M

Equity

$75M

Profitability

Return on Assets (ROA) 1.42%
Return on Equity (ROE) 10.26%
Net Interest Margin (NIM) 4.18%
Yield on Assets 5.63%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.63%
Net Charge-Off Ratio 0.47%
Texas Ratio 4.54%
NPA Ratio 0.68%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 14.15%
Tier 1 Capital 14.15%
Total Capital Ratio 14.86%
Leverage Ratio 14.08%
Loan-to-Deposit 82.21%

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