BlastPoint's Banking Scorecard
First Bank
Mid-Market
Specialty: Commercial
NC
FDIC cert 15019
Southern Pines, NC
201
banks in Mid-Market tier nationally
3 in NC
View Mid-Market leaderboard (NC) →
First Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14% in Mid-Market
- - Credit Risk Growth: Bottom 34% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.7B
+4.2% YoY
-0.6% QoQ
|
+$2.2B |
$10.5B
+2.9% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$8.6B
+7.9% YoY
+3.7% QoQ
|
+$1.5B |
$7.1B
+4.5% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$10.8B
+1.9% YoY
-1.3% QoQ
|
+$2.2B |
$8.5B
+3.0% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
0.94%
+36.0% YoY
-12.4% QoQ
|
-0.22% |
1.16%
+9.4% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.60%
+15.0% YoY
+1.9% QoQ
|
+0.21% |
3.40%
+7.9% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
50.34%
-13.5% YoY
-1.9% QoQ
|
-6.26% |
56.60%
-3.2% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.42%
+5.9% YoY
-6.1% QoQ
|
-0.26% |
0.68%
+12.0% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
80.01%
+5.9% YoY
+5.0% QoQ
|
-5.47% |
85.47%
+1.1% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
32.51%
+1.1% YoY
-1.6% QoQ
|
+11.87% |
20.64%
-0.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-1.4% YoY
-2.6% QoQ
|
-0.20% |
0.50%
+7.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
14.69%
-3.5% YoY
-3.2% QoQ
|
+1.14% |
13.55%
+1.8% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.57%
+8.8% YoY
+49.4% QoQ
|
-0.38% |
0.96%
+7.1% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#17 of 113 · Bottom 14% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.42%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#30 of 87 · Bottom 34% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.51% · Tier avg: 20.64%
77
77th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 13.55%
76
76th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
75
75th pctile
Total Loans
Current: $8.6B · Tier avg: $7.1B
74
74th pctile
Total Assets
Current: $12.7B · Tier avg: $10.5B
74
74th pctile
Efficiency Ratio
Current: 50.34% · Tier avg: 56.60%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.68%
55
55th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.40%
38
38th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
32
32th pctile
Loan-to-Deposit Ratio
Current: 80.01% · Tier avg: 85.47%
Top Weaknesses
32
32th pctile
Loan-to-Deposit Ratio
Current: 80.01% · Tier avg: 85.47%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
38
38th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
55
55th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.40%
64
64th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.68%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
74
74th pctile
Efficiency Ratio
Current: 50.34% · Tier avg: 56.60%
74
74th pctile
Total Assets
Current: $12.7B · Tier avg: $10.5B
75
75th pctile
Total Loans
Current: $8.6B · Tier avg: $7.1B
76
76th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
77
77th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 13.55%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.51% · Tier avg: 20.64%