The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (72 → 74), mostly because the earnings component improved by 12 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in North Carolina

Yes. First Bank is an FDIC-insured institution (FDIC certificate #15019). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.0% of deposits ($4.6B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.50%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.94% (benchmark: 10%).

Check how much of your own balance is covered

First Bank lists 111 offices in 91 cities across 2 states. Most locations:

• Asheville, NC (6)
• Wilmington, NC (5)
• Greensboro, NC (3)
• Winston Salem, NC (3)
• Charlotte, NC (2)
• Greenville, SC (2)
• High Point, NC (2)
• Jacksonville, NC (2)
• Pinehurst, NC (2)
• Sanford, NC (2)
• Southern Pines, NC (2)
• Aberdeen, NC (1)

All branch addresses and map

In 2025, First Bank reported 2,186 home-loan applications under HMDA (LEI 254900L67A0ZTJRS6614): 1,632 originated ($718,160,000 total), 373 denied, and 146 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Bank

Former names

Bank of Montgomery

Type

State-chartered bank (Fed member)

FDIC certificate #

15019

RSSD ID

216922

Primary regulator

FED

Holding company

First Bcorp

Established

January 1, 1934

Headquarters

205 Se Broad St, Southern Pines, NC 28387

Website

www.localfirstbank.com

Employees

1,396