# FIRST BANK
MCCOMB, MS · FDIC certificate 5907 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $562.9M | |
| Deposits | $484.6M | |
| Loans and leases | $387.0M | |
| Total equity | $73.6M | |
| Loans / deposits | 78.77% (p43 of band) | 82.04% |
| Liquid assets / assets | 27.21% (p56 of band) | |
| Uninsured deposits / deposits | 35.68% (p81 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.96% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -7.41% (p52 of band) | -8.10% |
| AOCI / equity | -0.06% (p69 of band) | |
| ROA (annualized) | 1.58% (p69 of band) | 1.28% |
| Net interest margin | 4.04% (p57 of band) | 3.91% |
| Efficiency ratio | 63.80% (p58 of band) | |
| Noncurrent loans | 1.11% (p76 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 120.43% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 44.69% (p51 of band) | |
| Auto loans | $2.9M (0.74% of loans; DQ 0.80%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | capital falling | reserve under noncurrent |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | capital falling, construction >100% equity |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 3 | capital falling, noncurrent p90 |  |
| 2020-09 | 0 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2020-12 | 1 | charge-offs p90 |  |
| 2021-03 | 4 | expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2021-06 | 5 | capital falling |  |
| 2021-09 | 3 |  | expense ratio p90, capital falling |
| 2021-12 | 4 | charge-offs p90 |  |
| 2022-03 | 2 | deposits shrinking, assets shrinking | NIM <2.5%, noncurrent p90, reserve under noncurrent, charge-offs p90 |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 0 |  | deposits shrinking, assets shrinking, capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 0 |  | charge-offs p90 |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | deposits shrinking |  |
| 2024-06 | 0 |  | deposits shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 1 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-27 [First Bank (FRBA) Q1 Earnings and Revenues Miss Estimates - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxQcVdSQ0VmV1N2dVlhZEFqQ0Z6Qlk2b2VXWGJQUGZfQmt4Tk1rRm1JTGV4c2JIQnlCWXVKcVlqcWFRMXotRGJ4N2ZpMmFza0E5N0prZlM4MlBMN2FBQ0FKRGVaQkpKdWdjMEp2NVNZdEViTERZaDBZQ1lYTmpUYlNiNENHOEMyR3RWOVptaXdXcS1yY2ZRUG00?oc=5) · Yahoo Finance
- 2026-01-16 [People First Bank branch closures spark concern and confusion - ABC News & Headlines – Australian Broadcasting Corporation](https://news.google.com/rss/articles/CBMioAFBVV95cUxNM1U1TXFuN2NjTGdUbVg0QjN3VmpYNnZSdTlFOU9uSUl5OE9SX3VNRGR3NHNNRFk3ZUdmVU92eHg4MDRIbkljTVY5MG5iSkpENWE5Yzh6YlR2WndDYUpacEIxX3pCQWUxTGRZeWh2b2pCRUNMZ3lwbkV5RzdpazEybEZNaFM1UnRKN0lDY0hXbVZ6Y0dtdUwyU1dLZjA1LU5y?oc=5) · ABC News &amp; Headlines – Australian Broadcasting Corporation
- 2024-07-30 [Renasant to broach Louisiana with $1.2B deal - Banking Dive](https://news.google.com/rss/articles/CBMirwFBVV95cUxPeXlMc0I1QkJiNTJRaG9VVVBaT3lXQmowdXBPc19NRjBLV2VucjVjd3VZdFJkR2x3R0FvR2h5MF9nM3BuMHp1RmdhZFhET3J5dWVoeFpUaG5zaXRIWm95VS1FYjBxaF9LaEpTZVEtLTdJN2YyZmZ2ZlJmWmxaOW5XWjRvRjBEeEVOM3dsaG5TN0xXSmEzSlhwQXdNT2hiQ040Q0Utc1YtU3pNLURGMUxR?oc=5) · Banking Dive
- 2026-07-20 [Court orders FBNGhana to reinstate employee over unlawful dismissal - Modern Ghana](https://news.google.com/rss/articles/CBMimgFBVV95cUxNbkhPUUxmaHJhYVZyaWtIXzc2WXF1dlJwUU9zeFlUT1NzOGFQYkdGVGxmQnlJRXlsZWEyUXpHNU9lUzZkNXBZTl9xZWhrbFoxV0ktbFRrajlpbE9laWMtc0k2a3FqdkFkMWxLc3NVb0JRUlJmLU0zYWRmU3pvejVObUhuaFJCZ2xyNjFJYkcyazJJUWZLMklvcFJR0gGYAUFVX3lxTE9NRzY4SjdBS1ZCYk9FRWtESmxrNjJhX3BpSW5NdjEydkhzSWpHVW9INWlrbmpkRExRLVl3MF9QdWQwYW5JMkpmaXFQRVBMRUEtRE9raElIMFpYbzZVQkxROGRDbkc0My1RT19DS29raE9mSVpOWkdMcnoxUl9vQ28teFR2NW1jZEFINVI1TUR0OFFSanlNU1BN?oc=5) · Modern Ghana
- 2025-01-22 [The First Bank provides SOCSD $75,000 Donation to Support PreKindergarten - Starkville Oktibbeha Consolidated School District](https://news.google.com/rss/articles/CBMiygFBVV95cUxOMDF4SUNLVHFVZ0E3c2NpM2tuWjMwOGlNQmMzTElkWEFkZXVVODYwZ3Y3VFlBd1c4ZFBoMDg4SlQtSXg0QnZ6eWFYbkJEMFVHTnZJdVVINkIzY3BuTmpCVEJla1JlWkNYelhZakxfTk04MEZsWmtEWFhKUmkzSURhWVUya1BsaHBDbDVvLWNVZ2gwUFBnYnl2V25SeWVwQS1sYndzT05hOWpZNzNQb0FITC1iSktCTjJTWkgtWVlqNkJwOGtsbzF5b3RR?oc=5) · Starkville Oktibbeha Consolidated School District
- 2026-03-01 [Rs 590-Crore Fraud: How IDFC First Bank’s Vaidyanathan Took The Bull By Its Horns - Open Magazine](https://news.google.com/rss/articles/CBMitgFBVV95cUxQdHViVFZlZGxHdXRBOFViaDVQQnlNbG9CWWpqdGdoamQ3RndmcW9pMTNBUzJqVmJlM2pncUNMM2lNQlI0Ql93c2kwSlhrUnRWbDNvaEFGamtPLUZQdy00eEVKU2hIa18wX3NmWHl5bU56QUJBMENoTU1Pbm94NjgzTUkwYkpkZ1RkcnhCQjNzOWxpWjVjNXhSSjlsTVVFMlktLXJUZDd5NU94U3AtWHNZMmtYcjNVZw?oc=5) · Open Magazine
- 2026-06-12 [Partnership backs First Nations financial literacy - National Indigenous Times](https://news.google.com/rss/articles/CBMijwFBVV95cUxQcWRZdzA3dHc1eVRKaWs2ckI5UjlXRTJkMG9zcHdZMEJwZjI4bkY0WlF4eVZHc3N2NHp5MC1EclEyUVZmMmZZRVdJekIxNFNLYzB0STRLOVBwMlVzUXoxd2I4Zkw5UVJiSFY2Ynh3ZFZkWXFlYXV2LUdIZ3J0UXdoZTdzVHQtU0pTT0RlY0pLdw?oc=5) · National Indigenous Times
- 2026-08-17 [GDLA Warns of Action as FirstBank Ghana Faces Court Payment Deadline - NewsGhana](https://news.google.com/rss/articles/CBMimgFBVV95cUxOaVpzYjRpMWlRdjYwanczYWJUbms0YmdlZFBSV3N3QkM5NzBqX0k4U0RwSjQ3eFJPaDR2TTVual9aaVcxT194TzZWUHJuZWxsYzVfYjk4N2xic25OVlZsaDExcktCSjJud2Y0d3lWNlVIMDZDbkd1NGx3Rk9ncnM5OVFnUDVWbEYzeFBMTjd6WHNoenN6Q192Tkh3?oc=5) · NewsGhana

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5907 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "5907", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide