First Bank (McComb, MS)
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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 McComb, MS, established in 1895 (FDIC certificate 5907), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $562.9M, up 2.5% from Q2 2025, the 24th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5907
- Headquarters
- McComb, MS
- Established
- 1895
- Total assets, Q2 2026
- $562.9M
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 12.96%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 065303386
- Holding company
- FIRST SOUTHWEST CORPORATION
- Asset rank in state
- 24th of 57 in Mississippi
Problem loans are rising at First Bank. It reported $563 million in assets at June 30, 2026, up 2.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.11% of loans from 0.74% a year earlier.
Loans are outrunning deposits: over the year loans rose 8.2% and deposits rose 2.3%. The commercial and industrial book ($54 million) is worsening: 5.48% of it is past due or on nonaccrual, up from 4.05% a year earlier.
As of June 30, 2026, First Bank reported a return on assets of 1.66%, a nonperforming-loan ratio of 1.11% and a Texas ratio of 7.11%. The figures come from its call report filed with the FFIEC.
First Bank ranks as the 24th largest of the 57 banks based in Mississippi, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $562.9M, loans rose 3.0% and deposits rose 1.1%. 1-4 family residential loans made up 27.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.5%. The FDIC Summary of Deposits lists 14 offices for it, in 9 cities in MS; its Mccomb 4 offices book 24% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 105 S Broadway St, McComb, MS 39648
- County
- Pike
- Metro Area
- McComb, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 25, 1895
- Former names
- First Bank of Southwest Mississippi (1981-1983)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $484.6M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $569.1M
- Average total loans
- $375.4M
- Average interest-bearing deposits
- $374.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5907
- Fed RSSD
- 875936
- Website
- www.firstbankms.com →
- Parent Holding Company
- FIRST SOUTHWEST CORPORATION (RSSD 1082692)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Bank's total assets moved between a low of $529.3M (Q4 2025) and a high of $572.7M (Q3 2023) 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
$562.9M total assets against $549.2M; $489.4M total liabilities against $478.0M.
$381.8M net loans and leases against $352.5M; $484.6M total deposits against $473.5M.
$94.9M securities against $106.3M; $58.3M cash and balances due against $62.3M.
$7.2M total interest income against $7.0M; $1.9M total interest expense against $2.0M.
$5.3M net interest income against $5.0M.
$1.3M total noninterest income against $1.1M; $4.1M total noninterest expense against $3.9M.
$150K provision for credit losses against $150K.
$2.4M net income against $2.1M.
1.66% return on assets against 1.54%; 3.96% net interest margin against 3.84%.
12.96% tier 1 leverage ratio against 12.89%.
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 934 of 3,640, for Texas Ratio; its furthest is 2,022 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.17% (Q4 2024) to 3.16% (Q3 2025) and its net interest margin ran from 3.75% (Q1 2025) to 4.17% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.96% | 1.66% | 1.11% | 7.11% | 3.96% |
| Q1 2026 | 13.92% | 1.49% | 0.74% | 5.14% | 4.02% |
| Q4 2025 | 14.08% | 1.42% | 0.82% | 5.45% | 4.11% |
| Q3 2025 | 13.33% | 3.16% | 0.34% | 3.21% | 4.17% |
| Q2 2025 | 12.89% | 1.54% | 0.74% | 4.33% | 3.84% |
| Q1 2025 | 13.31% | 1.45% | 1.19% | 5.87% | 3.75% |
| Q4 2024 | 13.29% | 1.17% | 0.15% | 1.03% | 3.79% |
| Q3 2024 | 12.79% | 1.48% | 0.13% | 0.98% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| First Bank (main office) | Mccomb , MS | 39648 | $90.0M |
| Magnolia Branch | Magnolia , MS | 39652 | $70.4M |
| Highway 84 Branch | Monticello , MS | 39654 | $64.7M |
| Summit Branch | Summit , MS | 39666 | $64.2M |
| Liberty Branch | Liberty , MS | 39645 | $50.3M |
| Brookway Boulevard Branch | Brookhaven , MS | 39601 | $46.8M |
| Hattiesburg - Highway 98 West Branch | Hattiesburg , MS | 39402 | $31.4M |
| Hattiesburg-Midtown Branch | Hattiesburg , MS | 39401 | $20.6M |
| First Bank - Edgewood Drive Branch | Mccomb , MS | 39648 | $17.3M |
| Delaware Avenue Branch | Mccomb , MS | 39648 | $8.2M |
| Madison Branch | Madison , MS | 39110 | $7.3M |
| Brookhaven Branch | Brookhaven , MS | 39601 | $5.5M |
| Osyka Branch | Osyka , MS | 39657 | $5.5M |
| Third Street Branch | Mccomb , MS | 39648 | $2.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 3, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1983 | Structure Change | Acquired South Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1981 | Structure Change | Acquired Bank of McComb Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 1972 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 1972 | Structure Change | Acquired Citizens Savings Bank, Magnolia, Mississippi Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in MS, rank 26 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 158 applications, 131 loans originated, $24.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $365K approved, $365K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $562.9 million in its FFIEC call report.
Where is First Bank headquartered?
It is headquartered in McComb, MS, United States.
When was First Bank founded?
It was established in 1895, per the FDIC institution directory.
Is First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5907). 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.
How many branches does First Bank operate?
It operates 14 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 7.11% 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.
What was First Bank previously called?
The charter now named First Bank has also operated as First Bank of Southwest Mississippi (1981-1983), per FDIC structure-change records.
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