BlastPoint's Banking Scorecard
First Bank
Community
Specialty: Commercial
MS
FDIC cert 5907
Mccomb, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
First Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 11% in Community
- + Revenue Diversifier: Top 26% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$529.3M
-2.1% YoY
-2.3% QoQ
|
-$862.1M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$365.2M
-0.1% YoY
+6.9% QoQ
|
-$610.3M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$450.1M
-3.1% YoY
-2.9% QoQ
|
-$714.5M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.90%
+44.2% YoY
-7.6% QoQ
|
+0.74% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.01%
+7.9% YoY
+1.0% QoQ
|
+0.34% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
58.12%
-10.1% YoY
+4.0% QoQ
|
-4.51% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.83%
+433.4% YoY
+139.2% QoQ
|
+0.21% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
81.13%
+3.1% YoY
+10.1% QoQ
|
-1.93% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
25.94%
+4.4% YoY
+8.3% QoQ
|
+4.90% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.82%
+455.3% YoY
+78.6% QoQ
|
+0.32% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.24%
+46.7% YoY
+23.3% QoQ
|
+0.50% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#41 of 371 · Top 11% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.90%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#99 of 371 · Top 26% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.24%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.90%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Capital Thin
risk
#30 of 432 · Bottom 7% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
91
91th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.74%
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.94% · Tier avg: 21.05%
70
70th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
64
64th pctile
Efficiency Ratio
Current: 58.12% · Tier avg: 62.63%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.13% · Tier avg: 83.06%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
10
10th pctile
Total Loans
Current: $365.2M · Tier avg: $975.5M
5
5th pctile
Total Deposits
Current: $450.1M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $529.3M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $529.3M · Tier avg: $1.4B
5
5th pctile
Total Deposits
Current: $450.1M · Tier avg: $1.2B
10
10th pctile
Total Loans
Current: $365.2M · Tier avg: $975.5M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.63%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.13% · Tier avg: 83.06%
64
64th pctile
Efficiency Ratio
Current: 58.12% · Tier avg: 62.63%
70
70th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.94% · Tier avg: 21.05%
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
91
91th pctile
Non-Interest Income / Assets
Current: 1.24% · Tier avg: 0.74%