B
First Bank
Rating Date
August 2026
Risk Based
Capital Ratio
15.94
Leverage
Ratio
11.50
Return On
Assets
1.55%
Total
Assets
13.03B
Capital
1.77B
Total
Deposits
11.10B
Net
Income
100.61M
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Weiss Ratings First Bank
Southern Pines, NC 		Click to
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Rating B
Asset Quality Index 7.30
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 6.30
Stability Index 6.30
Company Info First Bank
Southern Pines, NC 		Click to
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FDIC Number 15019
Phone Number (910) 692-6222
Website localfirstbank.com
Asset Quality First Bank
Southern Pines, NC 		Click to
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1-Year Asset Growth 3.41%
5-Year Asset Growth 14.73%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.28%
Non-Performing Loans to Capital 2.26%
Non-Performing Loans to Loans 0.50%
Balance Sheet First Bank
Southern Pines, NC 		Click to
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Total Assets 13.03B
Total Deposits 11.10B
Capital and Reserves First Bank
Southern Pines, NC 		Click to
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Capital 1.77B
Leverage Ratio 11.50
Loan Loss Reserves to Loans 1.39%
Risk-Based Capital Ratio 15.94
Liquidity First Bank
Southern Pines, NC 		Click to
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Hot Money Ratio 5.19%
Liquidity Ratio 13.32%
Profitability First Bank
Southern Pines, NC 		Click to
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5-Year Return on Average Assets 1.02%
Net Income 100.61M
Net Interest Spread 3.73%
Operating Profit to Average Assets 1.95%
Overhead Efficiency Ratio 49.07%
Return on Assets 1.55%
Return on Equity 11.56%