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First Bank
Southern Pines, NC · FDIC Certificate #15019 · Chartered 01/0
Total assets
$13.03B
Total deposits
$11.10B
Total equity
$1.77B
Net loans
$8.88B
Branches (offices)
114
Net income (YTD)
$100.61M
Rank: #138 of 4,213 U.S. banks by assets · #5 of 38 in North Carolina. Assets changed 3.4% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 11.56% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 13.62% |
| Tier 1 leverage ratio | 11.50% |
| Uninsured deposits (share of deposits) | 41.0% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 80.0% |
| Real estate loans (share of loans) | 89.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.92B | 89.2% | |
| Commercial & industrial | $756.93M | 8.5% | |
| Consumer / individual | $68.69M | 0.8% | |
| Construction & development | $847.91M | 9.6% | |
| Agricultural | $9.20M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $10.57B | $9.38B | $72.00M | $1.12B |
| Jun 2023 | $12.03B | $10.17B | $48.35M | $1.40B |
| Jun 2024 | $12.06B | $10.51B | $58.06M | $1.48B |
| Jun 2025 | $12.60B | $10.85B | $78.45M | $1.63B |
| Jun 2026 | $13.03B | $11.10B | $100.61M | $1.77B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $9.72B | 101 |
| South Carolina | $1.38B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $11.10B.
Similar-sized banks
Bmw Bank Of North America ($13.80B) · Bancfirst ($12.80B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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