First Bank (Clewiston, FL)
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Data as of · sourced from FFIEC call reports. How we update
First Bank is an FDIC-insured commercial bank headquartered in Clewiston, FL, established in 1922 (FDIC certificate 9620), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $810.5M, up 1.3% from Q2 2025, the 36th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 14.82% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9620
- Headquarters
- Clewiston, FL
- Established
- 1922
- Total assets, Q2 2026
- $810.5M
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 14.82%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 067003778
- Latest call report
- Q2 2026, FFIEC 041 · First Bank call report
- Holding company
- PIONEER BANKCORP, INC.
- Asset rank in state
- 36th of 81 in Florida
Problem loans are rising at First Bank. Its balance sheet stood at $811 million at June 30, 2026, up 1.3% from a year earlier; it is based in Clewiston, Florida. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.31% of loans from 0.00% a year earlier. It pays an average of 1.12% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it funds 9.70% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 5.5% and deposits rose 0.4%.
As of June 30, 2026, First Bank reported a CET1 capital ratio of 14.82%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 1.79%. The figures come from its call report filed with the FFIEC.
First Bank ranks as the 36th largest of the 81 banks based in Florida, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $810.5M, loans rose 3.9% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.1% of total loans, ahead of owner-occupied commercial real estate loans at 20.0%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in FL; its La Belle office books 32% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 E Sugarland Hwy, Clewiston, FL 33440
- County
- Hendry
- Metro Area
- Clewiston, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1922
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 114
- Domestic deposits
- $727.3M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $821.9M
- Average total loans
- $491.5M
- Average interest-bearing deposits
- $489.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9620
- Fed RSSD
- 131436
- SEC CIK
- 899175 → filed by PIONEER BANKCORP, INC.
- Website
- www.first1bank.com →
- Parent Holding Company
- PIONEER BANKCORP, INC. (RSSD 2061162)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Bank's total assets moved between a low of $694.9M (Q3 2023) and a high of $822.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$810.5M total assets against $799.9M; $733.0M total liabilities against $729.3M.
$493.3M net loans and leases against $467.7M; $727.3M total deposits against $724.0M.
$214.6M securities against $194.6M; $64.4M cash and balances due against $100.3M.
$10.4M total interest income against $9.9M; $2.0M total interest expense against $2.1M.
$8.4M net interest income against $7.8M.
$1.2M total noninterest income against $1.1M; $5.3M total noninterest expense against $4.7M.
$150K provision for credit losses against $225K.
$3.1M net income against $3.0M.
1.50% return on assets against 1.51%; 4.33% net interest margin against 4.12%.
14.82% CET1 capital ratio against 14.25%; 9.70% tier 1 leverage ratio against 9.12%.
Inside the full First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bank rankings
Its closest position to the top of a national ranking is 1,236 of 4,196, for total assets; its furthest is 2,338 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.29% (Q4 2024) to 1.53% (Q3 2025) and its net interest margin ran from 3.82% (Q3 2024) to 4.33% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.82% | 1.50% | 0.31% | 1.79% | 4.33% |
| Q1 2026 | 14.74% | 1.44% | 0.04% | 0.20% | 4.22% |
| Q4 2025 | 14.79% | 1.50% | 0.04% | 0.24% | 4.20% |
| Q3 2025 | 14.75% | 1.53% | 0.02% | 0.13% | 4.18% |
| Q2 2025 | 14.25% | 1.51% | 0.00% | 0.00% | 4.12% |
| Q1 2025 | 14.70% | 1.29% | 0.00% | 0.00% | 3.89% |
| Q4 2024 | 14.55% | 1.29% | 0.00% | 0.00% | 3.93% |
| Q3 2024 | 14.86% | 1.38% | 0.09% | 0.27% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| La Belle Branch | La Belle , FL | 33935 | $235.3M |
| First Bank (main office) | Clewiston , FL | 33440 | $224.0M |
| Ft. Myers Branch | Fort Myers , FL | 33905 | $123.6M |
| Moore Haven Branch | Moore Haven , FL | 33471 | $54.6M |
| First Bank - Immokalee Branch | Immokalee , FL | 34142 | $47.6M |
| Belle Glade Branch | Belle Glade , FL | 33430 | $32.3M |
| Berner Road Branch | Clewiston , FL | 33440 | $9.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 75 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $758K approved, $253K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank
What are First Bank's total assets?
As of the Q2 2026 filing, First Bank reported total assets of $810.5 million in its FFIEC call report.
Where is First Bank headquartered?
It is headquartered in Clewiston, FL, United States.
When was First Bank founded?
It was established in 1922, per the FDIC institution directory.
Is First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9620). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank?
First Bank's primary federal regulator is the FDIC.
What is First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.82% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank's Texas Ratio?
Its Texas Ratio is 1.79% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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