First Bank
Southern Pines, NC · Cert 15019 · Peer group: banks over $10B in assets (n=142-144) · First Bcorp
State charter, Fed member · FED · 114 branches
Q2 2026
$13.0BAssets
$9.0BLoans
$11.1BDeposits
$1.8BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 83% of banks over $10B in assets (rank 25 of 144).
- Widest gap: return on equity trails 50% of banks over $10B in assets (rank 72 of 144).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.54%
Rank 35 of 144
Net Interest Margin
3.50%
Rank 54 of 144
Efficiency Ratio
49.07%
Rank 34 of 144
Equity / Assets
13.62%
Rank 25 of 144
Non-interest income vs. expense
Unfavorable gap of $179.6M · efficiency ratio beats 77% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 1.00% | 1.26% | 1.54% | Beats 76% | 35 / 144 | | |
| Return on Equity | 11.34% | 8.98% | 11.34% | 14.40% | Beats 50% | 72 / 144 | | |
| Net Interest Margin | 3.50% | 2.82% | 3.31% | 3.68% | Beats 63% | 54 / 144 | | |
| Efficiency Ratio | 49.07% | 49.42% | 56.02% | 62.41% | Beats 77% | 34 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.48% | 0.73% | 1.07% | Beats 73% | 39 / 142 | | |
| Net Charge-Offs / Loans | 0.04% | 0.05% | 0.11% | 0.22% | Beats 80% | 30 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 14.69% | 12.07% | 12.98% | 14.92% | Beats 72% | 41 / 144 | | |
| Total Risk-Based Capital Ratio | 15.94% | 13.39% | 14.14% | 16.25% | Beats 72% | 40 / 144 | | |
| Equity / Assets | 13.62% | 9.69% | 11.39% | 12.96% | Beats 83% | 25 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.08% | 75.72% | 84.92% | 91.56% | 36th pctl | 92 / 143 | | |
| Loans / Assets | 69.07% | 59.83% | 69.07% | 74.80% | 50th pctl | 72 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |