First Bank
McComb, MS · Cert 5907 · Peer group: banks under $1B in assets (n=581-629) · 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 71% of banks under $1B in assets (rank 185 of 629).
- Widest gap: net charge-offs / loans trails 73% of banks under $1B in assets (rank 426 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.21%
Rank 231 of 629
Net Interest Margin
3.67%
Rank 275 of 629
Efficiency Ratio
63.80%
Rank 244 of 629
Equity / Assets
13.07%
Rank 185 of 629
Non-interest income vs. expense
Unfavorable gap of $11.6M · efficiency ratio beats 61% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.60% | 1.01% | 1.45% | Beats 63% | 231 / 629 | | |
| Return on Equity | 9.28% | 5.38% | 9.30% | 13.28% | Beats 50% | 317 / 629 | | |
| Net Interest Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 56% | 275 / 629 | | |
| Efficiency Ratio | 63.80% | 58.35% | 67.79% | 79.08% | Beats 61% | 244 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.46% | 1.20% | Beats 28% | 422 / 581 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 27% | 426 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.96% | 11.24% | 13.84% | 18.77% | Beats 43% | 358 / 629 | | |
| Total Risk-Based Capital Ratio | 12.96% | 11.58% | 14.43% | 19.66% | Beats 38% | 390 / 629 | | |
| Equity / Assets | 13.07% | 9.09% | 10.65% | 13.80% | Beats 71% | 185 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.84% | 67.24% | 80.90% | 93.48% | 49th pctl | 303 / 594 | | |
| Loans / Assets | 68.74% | 53.31% | 67.71% | 78.15% | 52nd pctl | 302 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |