First Bancshares, Inc. FBSI

Company Overview

First Bancshares, Inc. (FBSI) is a bank holding company that operates primarily through its wholly owned subsidiary, First Bank, providing a broad range of commercial and consumer banking services. The company operates within the U.S. regional banking and financial services industry, focusing on relationship-based banking for individuals, small to mid-sized businesses, and professional clients. Its revenue is primarily driven by net interest income from loans and investment securities, as well as non-interest income from service charges, mortgage banking, and wealth-related services.

Founded in 1996, the company has grown through a combination of organic expansion and targeted acquisitions, particularly in the southeastern United States. First Bancshares, Inc. is positioned as a community-focused regional bank with a diversified loan portfolio and an emphasis on local market expertise, decentralized decision-making, and disciplined credit management. Over time, the company has expanded beyond its original Mississippi base into higher-growth metropolitan and suburban markets.