FDIC Cert #5907 · Mccomb, Mississippi · Est. 1895

First Bank - FDIC Bank Health Profile

A community-scale look at First Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$529M
Total assets
A
Health grade · Excellent
1.90%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

First Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 14.08% Tier 1, profitable at 1.90% ROA, efficient (58% cost ratio).

#1,720
largest of 4,313 FDIC banks by assets
60th
percentile by asset size, nationally
14.08%
Tier 1 ratio - above the 10% well-capitalized line
89th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 5907 · MS A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #607/4307
  • PHOTO-FINISH The Farmers Bank of… · MD
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-STRONG 1.90% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: The Farmers Bank of Willards, MD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Bank

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Connect Bank · AR · near92/100First Bank · MS · this bank92/100Southeastern Bank · GA · near92/100The Farmers Bank of… · MD · …92/100The First State Bank · KS · …92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Bank · July 2026

What First Bank's Call Report plate shows

First Bank (FDIC Cert #5907) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #607 of 4,307. Tier 1 capital prints at 14.08%, clearing the 10% well-capitalized line. The Texas Ratio is 3.82%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.90%. Balance-sheet scale is $529M, 1,720th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Farmers Bank of Willards (MD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Bank

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

First Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Bank remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How First Bank's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
First Bank's composite health score
Tier 1 Capital Ratio (14.08%) 35/40
Return on Assets (ROA) (1.90%) 25/25
Texas Ratio (3.82%) 20/20
Efficiency Ratio (58.12%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$529M

Total balance-sheet footings

Total Deposits

$450M

Customer-funded liabilities

Net Loans

$365M

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.68% 14.08% 15.48%
Basel III capital ratios - First Bank

Where First Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Bank's score of 92/100 falls in the highlighted band.

First Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 14% higher than 86% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. First Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Bank's $529M falls in the highlighted band.

Safety ratios for First Bank

Tier 1 capital ratio
Well-capitalized 10%

14.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.08%
Texas Ratio
3.82%
Equity Capital
$75M

What these ratios mean →

Earnings posture at First Bank

Return on Assets (ROA)
89th percentile nationally
1.90%
Return on Equity (ROE)
14.22%
Efficiency Ratio
58.12%

What these mean →

Income & expense at First Bank

$28M
Interest Income
$7M
Non-Interest Income
$16M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Bank reports a Texas Ratio of 3.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First Bank on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($529M here), outside Mississippi so the neighborhood is not state containment.

The Shelby County State Bank $530M · IA Cross County Savings Bank $530M · NY Labette Bank $528M · KS Triad Business Bank $531M · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank (FDIC Cert #5907) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Bank Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%