FDIC Cert #15019 · Southern Pines, North Carolina · Est. 1934

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.
$12.7B
Total assets
A
Health grade · Excellent
0.94%
Return on assets
14.7%
Tier 1 capital

Data updated July 2026

The verdict

First Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 14.69% Tier 1, 0.94% ROA, efficient (50% cost ratio).

#138
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
14.69%
Tier 1 ratio - above the 10% well-capitalized line
39th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 15019 · NC A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1852/4307
  • PHOTO-FINISH F&M Bank · NE
  • TIER1-WELL 14.7% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: F&M Bank, NE (±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 North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100F&M Bank · NE · near81/100First Bank · NC · this bank81/100Waukesha State Bank · WI · n…81/100West Bank · IA · near81/100West Plains Bank and… · MO ·…81/100Tioga-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 #15019) carries a PlainBankData health grade of A at 81/100, 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 #1,852 of 4,307. Tier 1 capital prints at 14.69%, clearing the 10% well-capitalized line. The Texas Ratio is 1.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $12.7B, 138th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is F&M Bank (NE), 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

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

First Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 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.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

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

How First Bank's 81/100 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 avg77/10081/100
First Bank's composite health score
Tier 1 Capital Ratio (14.69%) 35/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (1.98%) 20/20
Efficiency Ratio (50.34%) 12/15

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

Balance sheet at a glance

Total Assets

$12.7B

Total balance-sheet footings

Total Deposits

$10.8B

Customer-funded liabilities

Net Loans

$8.6B

Outstanding loan book

Net Income

$118M

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.) 13.29% 14.69% 16.09%
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 81/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

81 Top 43% higher than 57% 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. 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 $12.7B falls in the highlighted band.

Safety ratios for First Bank

Tier 1 capital ratio
Well-capitalized 10%

14.69% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.69%
Texas Ratio
1.98%
Equity Capital
$1.7B

What these ratios mean →

Profitability metrics: First Bank

Return on Assets (ROA)
39th percentile nationally
0.94%
Return on Equity (ROE)
7.26%
Efficiency Ratio
50.34%

What these mean →

Income & expense at First Bank

$557M
Interest Income
$73M
Non-Interest Income
$246M
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 1.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.98% - 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 North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

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

National size peers: banks closest to First Bank by assets

Measured strictly by total assets rather than geography, First Bank's closest national peers include PlainsCapital Bank, Dollar Bank, Federal Savings Bank, BMW Bank of North America, Safra National Bank of New York, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within North Carolina. Averaged across this asset-matched cohort, return on assets runs 1.29% (First Bank is below that at 0.94%), the efficiency ratio averages 56.49% (First Bank runs leaner at 50.34%), and Tier 1 capital averages 15.28% (First Bank holds less at 14.69%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $12.7B in assets, First Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to First Bank nationally by total assets
  1. 1
    PlainsCapital Bank $12.7B

    University Park, TX · Grade B

  2. 2
    Dollar Bank, Federal Savings Bank $12.5B

    Pittsburgh, PA · Grade B

  3. 3
    BMW Bank of North America $12.8B

    Salt Lake City, UT · Grade A

  4. 4
    Safra National Bank of New York $12.5B

    New York, NY · Grade A

  5. 5
    Oriental Bank $12.4B

    San Juan, PR · Grade A

  6. 6
    First Commonwealth Bank $12.3B

    Indiana, PA · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
First Bank (this bank) NC $12.7B 0.94% 50.34% 14.69%
PlainsCapital Bank TX $12.7B 1.05% 74.52% 14.49%
Dollar Bank, Federal Savings Bank PA $12.5B 0.53% 75.71% 15.21%
BMW Bank of North America UT $12.8B 2.31% 17.65% 14.53%
Safra National Bank of New York NY $12.5B 0.92% 64.01% 22.33%
Oriental Bank PR $12.4B 1.59% 52.92% 13.44%
First Commonwealth Bank PA $12.3B 1.33% 54.10% 11.69%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($12.7B here), outside North Carolina so the neighborhood is not state containment.

PlainsCapital Bank $12.7B · TX Dollar Bank, Federal Savings Bank $12.5B · PA BMW Bank of North America $12.8B · UT Safra National Bank of New York $12.5B · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Bank (FDIC Cert #15019) - 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 · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%
First Carolina BankRocky Mount $3.3B C 0.51%