B
First Bank
Rating Date
March 2026
Risk Based
Capital Ratio
15.94
Leverage
Ratio
11.08
Return On
Assets
0.93%
Total
Assets
12.66B
Capital
1.71B
Total
Deposits
10.76B
Net
Income
117.94M
My Lists My Alerts
Weiss Ratings First Bank
Southern Pines, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 4.50
Stability Index 9.20
Company Info First Bank
Southern Pines, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 15019
Phone Number (910) 692-6222
Website localfirstbank.com
Asset Quality First Bank
Southern Pines, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 4.21%
5-Year Asset Growth 14.73%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.25%
Non-Performing Loans to Capital 1.96%
Non-Performing Loans to Loans 0.42%
Balance Sheet First Bank
Southern Pines, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 12.66B
Total Deposits 10.76B
Capital and Reserves First Bank
Southern Pines, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 1.71B
Leverage Ratio 11.08
Loan Loss Reserves to Loans 1.42%
Risk-Based Capital Ratio 15.94
Liquidity First Bank
Southern Pines, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 5.30%
Liquidity Ratio 12.55%
Profitability First Bank
Southern Pines, NC 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.09%
Net Income 117.94M
Net Interest Spread 3.48%
Operating Profit to Average Assets 1.17%
Overhead Efficiency Ratio 51.53%
Return on Assets 0.93%
Return on Equity 7.25%