TellerScore

First Bank (FDIC certificate #5907) is based in Mccomb, Mississippi. Its Q2 2026 call report shows $562.9M in total assets and $484.6M in deposits and 14 offices.

First Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 19th. Problem-loan coverage contributes the most (86/100, 7.1%); funding & liquidity contributes the least (58/100, 79% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 12.96%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.11%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 78.8% · 35.7% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.11%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (77 → 74), mostly because the loan quality component weakened by 12 points.

TellerScore
748086Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202481
Q4 202482
Q1 202574
Q2 202577
Q3 202586
Q4 202583
Q1 202679
Q2 202674
Tier 1 leverage ratio
5.00%9.54%14.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.60%
Q3 202412.79%
Q4 202413.29%
Q1 202513.31%
Q2 202512.89%
Q3 202513.33%
Q4 202514.08%
Q1 202613.92%
Q2 202612.96%
Noncurrent loans
0.13%0.66%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.13%
Q4 20240.15%
Q1 20251.19%
Q2 20250.74%
Q3 20250.34%
Q4 20250.82%
Q1 20260.74%
Q2 20261.11%
Return on assets
1.31%1.69%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.31%
Q3 20241.37%
Q4 20241.32%
Q1 20251.44%
Q2 20251.50%
Q3 20252.06%
Q4 20251.90%
Q1 20261.47%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$562.9M12.96%1.11%1.58%78.8%
Q1 202679$558.4M13.92%0.74%1.47%77.3%
Q4 202583$529.3M14.08%0.82%1.90%81.1%
Q3 202586$541.6M13.33%0.34%2.06%73.7%
Q2 202577$549.2M12.89%0.74%1.50%74.5%
Q1 202574$553.2M13.31%1.19%1.44%75.6%
Q4 202482$540.8M13.29%0.15%1.32%78.7%
Q3 202481$548.3M12.79%0.13%1.37%77.4%
Q2 202476$562.8M12.60%0.55%1.31%74.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio12.96%
75th
Total risk-based capital0.00%
24th
Problem loans1.11%
25th
Net charge-offs-0.00%
81st
Return on assets1.58%
70th
Net interest margin4.04%
56th
Efficiency ratio63.8%
46th
Loans to deposits78.8%
52nd
Uninsured deposits35.7%
16th
Loan-loss reserves1.34%
67th
Texas ratio7.1%
26th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
First Choice BankBank Pontotoc, MS61 out of 100, Moderate$561.0M9.5%0.31%vs
United Mississippi BankBank Natchez, MS75 out of 100, Strong$560.7M11.0%0.19%vs
Farmers and Merchants BankBank Baldwyn, MS77 out of 100, Strong$565.8M14.2%1.69%vs
Century BankBank Lucedale, MS69 out of 100, Moderate$566.2M10.1%0.60%vs
The Peoples BankBank Ripley, MS72 out of 100, Strong$581.8M10.2%0.34%vs
Bank of Holly SpringsBank Holly Springs, MS52 out of 100, Below average$587.5M13.1%4.61%vs

Deposit insurance

Is my money safe at First Bank?

Yes. First Bank is an FDIC-insured institution (FDIC certificate #5907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.7% of deposits ($172.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

First Bank lists 14 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Bank reported 158 home-loan applications under HMDA (LEI 549300P6FMUCIYH31R36): 131 originated ($24,865,000 total), 13 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.4%, 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.

Identity & history

Profile

Legal name
First Bank
Former names
Southwest Mississippi Bank; First Bank of Southwest Mississippi
Type
State-chartered bank
FDIC certificate #
5907
RSSD ID
875936
Primary regulator
FDIC
Holding company
First Southwest Corp
Established
June 25, 1895
Headquarters
105 S Broadway St, Mccomb, MS 39648
Employees
111

Quick answers

First Bank: common questions

Is First Bank FDIC insured?

Yes. First Bank is an FDIC-insured institution (FDIC certificate #5907). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Bank ever failed?

There is no failure record for FDIC certificate #5907 in the FDIC failed bank list.

How many branches does First Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mccomb

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens BankBank Columbia, MS90 out of 100, Very strong$466.3M13.5%0.33%vs
Sunbelt Federal Credit UnionCredit union Hattiesburg, MS85 out of 100, Very strong$366.4M16.2%0.39%vs
Pike National BankBank Mccomb, MS72 out of 100, Strong$408.8M11.7%0.59%vs
Bank of FranklinBank Meadville, MS70 out of 100, Strong$302.3M9.9%0.27%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Trustmark BankBank Jackson, MS62 out of 100, Moderate$19.2B10.4%1.14%vs