BlastPoint's Banking Scorecard
First Bank
Southern Pines, NC
116 branches across NC · SC
First Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.94% above tier average
- + ROA 0.23% above tier average
- + Efficiency Ratio 5.81% below tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 44.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.9B
+4.0% YoY
+2.2% QoQ
|
-$34.4B |
$47.4B
-2.0% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.0% YoY
|
Bottom 13.3% in tier |
| Total Loans ? |
$8.7B
+8.7% YoY
+0.9% QoQ
|
-$20.9B |
$29.6B
-0.4% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.7% YoY
|
Bottom 14.8% in tier |
| Total Deposits ? |
$11.0B
+2.4% YoY
+2.5% QoQ
|
-$27.7B |
$38.7B
-1.6% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.0% YoY
|
Bottom 14.8% in tier |
| Return on Assets ? |
1.51%
+21.8% YoY
+60.3% QoQ
|
+0.23% |
1.28%
+19.3% YoY
|
0.99%
+29.5% YoY
|
1.24%
+13.1% YoY
|
77% |
| Net Interest Margin ? |
3.77%
+10.1% YoY
+4.7% QoQ
|
+0.00% |
3.77%
+5.6% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
48.09%
-9.1% YoY
-4.5% QoQ
|
-5.81% |
53.90%
-4.0% YoY
|
69.88%
-8.6% YoY
|
66.84%
-3.8% YoY
|
75% |
| Delinquency Rate ? |
0.47%
+29.8% YoY
+12.0% QoQ
|
-0.55% |
1.02%
-4.1% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
78.71%
+6.1% YoY
-1.6% QoQ
|
-2.18% |
80.88%
+2.0% YoY
|
79.67%
+1.0% YoY
|
76.69%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
32.77%
+0.7% YoY
+0.8% QoQ
|
+12.94% |
19.82%
+0.3% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.1% YoY
|
Top 9.6% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+18.6% YoY
+8.3% QoQ
|
-0.40% |
0.73%
+4.0% YoY
|
0.45%
+20.5% YoY
|
0.66%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
14.74%
-4.3% YoY
+0.3% QoQ
|
-0.82% |
15.56%
-0.1% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.14%
+14.1% YoY
-76.1% QoQ
|
-0.09% |
0.23%
+0.9% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.0% YoY
|
42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.