First Bank
Total assets
$13.03B
▲ +3.4% YoY
Deposits
$11.10B
▲ +2.3% YoY
Loans
$8.88B
▲ +9.4% YoY
Offices
116
FIRST BCORP
ROA (annualized)
1.56%
peers 1.23%
ROE (annualized)
11.56%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.9% | -2.5 pts |
| Deposit growth (YoY) | +2.3% | +5.7% | -3.4 pts |
| Loan growth (YoY) | +9.4% | +6.9% | +2.5 pts |
| ROA | 1.56% | 1.23% | +0.3 pts |
| ROE | 11.6% | 11.2% | +0.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 205 Se Broad St, Southern Pines, NC, 28387
- County
- Moore
- Metro area
- Pinehurst-Southern Pines, NC
- Offices
- 116
- FDIC cert #
- 15019
- RSSD ID
- 216922
- 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 | $13.03B | $11.10B | $8.88B | $1.77B | $100.6M | 1.56% | 3.82% | 0.34% |
| Q1 2026 | $12.94B | $11.03B | $8.68B | $1.74B | $48.3M | 1.51% | 3.77% | 0.32% |
| Q4 2025 | $12.66B | $10.76B | $8.61B | $1.71B | $117.9M | 0.94% | 3.60% | 0.30% |
| Q3 2025 | $12.74B | $10.90B | $8.30B | $1.68B | $100.7M | 1.08% | 3.54% | 0.31% |
| Q2 2025 | $12.60B | $10.85B | $8.11B | $1.63B | $78.5M | 1.27% | 3.47% | 0.28% |
| Q1 2025 | $12.44B | $10.77B | $7.99B | $1.58B | $38.1M | 1.24% | 3.43% | 0.27% |
| Q4 2024 | $12.15B | $10.56B | $7.98B | $1.52B | $84.0M | 0.69% | 3.13% | 0.30% |
| Q3 2024 | $12.16B | $10.53B | $7.90B | $1.55B | $78.6M | 0.87% | 3.07% | 0.29% |
Loan mix (Q2 2026): real estate $7.92B · commercial $756.9M · consumer $68.7M · securities $2.45B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.23% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.3% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.55% | 67th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.1% | 54.9% | 26th | |
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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