First Bank
Total assets
$562.9M
▲ +2.5% YoY
Deposits
$484.6M
▲ +2.3% YoY
Loans
$381.8M
▲ +8.3% YoY
Offices
14
FIRST SOUTHWEST CORP
ROA (annualized)
1.58%
peers 1.28%
ROE (annualized)
11.72%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +8.3% | +5.3% | +2.9 pts |
| ROA | 1.58% | 1.28% | +0.3 pts |
| ROE | 11.7% | 12.4% | -0.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
Profile
- Established
- 1895
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST SOUTHWEST CORP
- Specialization
- Commercial Lending Specialization
- Address
- 105 S Broadway St, Mccomb, MS, 39648
- County
- Pike
- Metro area
- McComb, MS
- Offices
- 14
- FDIC cert #
- 5907
- RSSD ID
- 875936
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $562.9M | $484.6M | $381.8M | $73.6M | $4.4M | 1.58% | 4.04% | 1.00% |
| Q1 2026 | $558.4M | $479.3M | $370.7M | $74.3M | $2.0M | 1.47% | 4.01% | 0.73% |
| Q4 2025 | $529.3M | $450.1M | $365.2M | $74.9M | $10.3M | 1.90% | 4.01% | 0.82% |
| Q3 2025 | $541.6M | $463.6M | $341.5M | $73.0M | $8.4M | 2.06% | 3.97% | 0.46% |
| Q2 2025 | $549.2M | $473.5M | $352.5M | $71.1M | $4.1M | 1.50% | 3.83% | 0.60% |
| Q1 2025 | $553.2M | $476.6M | $360.1M | $72.2M | $2.0M | 1.44% | 3.76% | 0.83% |
| Q4 2024 | $540.8M | $464.4M | $365.4M | $72.1M | $7.3M | 1.32% | 3.71% | 0.15% |
| Q3 2024 | $548.3M | $472.8M | $366.1M | $70.7M | $5.7M | 1.37% | 3.68% | 0.13% |
Loan mix (Q2 2026): real estate $319.8M · commercial $54.1M · consumer $8.6M · securities $94.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.28% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 12.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.89% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 61.2% | 59th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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