First Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 21.96 percentage points in Q2 2026, from 303.99% to 282.04%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, First Bank is 9th of 38 on return on assets, 1.60% as of Q2 2026. The median for banks in the $10B-100B asset tier is 1.29% on return on assets. First Bank sits 0.31 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.69% |
| Tier 1 risk-based capital ratio | 14.69% |
| Total risk-based capital ratio | 15.94% |
| Tier 1 leverage ratio | 11.50% |
| Equity capital to assets | 13.62% |
| Tangible equity to tangible assets | 10.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 2.55% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 282.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 11.90% |
| Net interest margin | 3.76% |
| Efficiency ratio | 47.86% |
| Yield on earning assets | 4.95% |
| Cost of funds | 1.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.08% |
| Core deposits to total deposits | 97.08% |
| Brokered deposits to total deposits | 0.04% |
| Deposits to assets | 85.19% |
| Securities to assets | 18.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.10% | 14.10% | 15.35% | 10.70% | 1.03% |
| Q4 2023 | 14.36% | 14.36% | 15.61% | 10.83% | 1.02% |
| Q1 2024 | 14.51% | 14.51% | 15.76% | 10.86% | 0.88% |
| Q2 2024 | 14.89% | 14.89% | 16.14% | 10.99% | 0.99% |
| Q3 2024 | 15.26% | 15.26% | 16.51% | 11.06% | 0.66% |
| Q4 2024 | 15.23% | 15.23% | 16.48% | 10.94% | 0.17% |
| Q1 2025 | 15.40% | 15.40% | 16.65% | 11.18% | 1.22% |
| Q2 2025 | 15.49% | 15.49% | 16.74% | 11.25% | 1.27% |
| Q3 2025 | 15.17% | 15.17% | 16.42% | 11.20% | 0.69% |
| Q4 2025 | 14.69% | 14.69% | 15.94% | 11.08% | 0.54% |
| Q1 2026 | 14.74% | 14.74% | 15.99% | 11.36% | 1.50% |
| Q2 2026 | 14.69% | 14.69% | 15.94% | 11.50% | 1.60% |
First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15019) · FFIEC NIC profile (RSSD 216922)