First Bank
McComb, MS · Cert 5907 · Peer group: banks under $1B in assets (n=573-620) · First Southwest Corp.
State charter, non-member · FDIC · 14 branches
Q2 2026
$562.9MAssets
$387.0MLoans
$484.6MDeposits
$73.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 72% of banks under $1B in assets (rank 176 of 620).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets (rank 424 of 573).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.21%
Rank 222 of 620
Net Interest Margin
3.67%
Rank 264 of 620
Efficiency Ratio
63.80%
Rank 234 of 620
Equity / Assets
13.07%
Rank 176 of 620
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 62% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.60% | 1.00% | 1.45% | Beats 64% | 222 / 620 | |
| Return on Equity | 9.28% | 5.30% | 9.30% | 13.29% | Beats 50% | 312 / 620 | |
| Net Interest Margin | 3.67% | 3.02% | 3.53% | 4.04% | Beats 57% | 264 / 620 | |
| Efficiency Ratio | 63.80% | 58.35% | 68.08% | 79.37% | Beats 62% | 234 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.47% | 1.27% | Beats 29% | 409 / 573 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 26% | 424 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 12.96% | 11.27% | 13.87% | 18.78% | Beats 43% | 355 / 620 | |
| Total Risk-Based Capital Ratio | 12.96% | 11.69% | 14.57% | 19.67% | Beats 38% | 385 / 620 | |
| Equity / Assets | 13.07% | 9.03% | 10.60% | 13.73% | Beats 72% | 176 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 79.84% | 65.08% | 79.69% | 92.47% | 51st pctl | 289 / 585 | |
| Loans / Assets | 68.74% | 51.85% | 67.17% | 77.86% | 54th pctl | 287 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |