← Back to Institutions
First Bank
Southern Pines, NC·FDIC Cert #15019·Charter: STATE·Est. 19340101.0·HC: FIRST BCORP
Total Assets
$12.7B
Q4 2025
Return on Assets
0.94%
-0.13%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.34%
Peer avg: 55.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.94%-0.13
ROE
7.26%-1.12
Efficiency
50.34%-0.98
Equity/Assets
0.00%+0.00
NPL Ratio
0.42%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.01%+3.84
Charge-offs
0.10%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 0.9 | 0.7 | 1.2 | 1.3 | 1.1 | 0.9 |
| ROE | 7.4 | 7.9 | 7.0 | 5.6 | 9.8 | 9.9 | 8.4 | 7.3 |
| Efficiency | 60.6 | 59.4 | 59.4 | 58.2 | 52.9 | 52.1 | 51.3 | 50.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 77.2 | 75.8 | 75.0 | 75.6 | 74.2 | 74.8 | 76.2 | 80.0 |
Balance Sheet
Total Assets$12.7B
Total Deposits$10.8B
Total Loans$8.6B
Total Equity$1.7B
Profitability
ROA0.94%
ROE7.26%
Efficiency Ratio50.34%
Net Income$117.9M
Risk & Asset Quality
NPL Ratio0.42%
Charge-off Rate0.10%
Loan/Deposit80.01%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans