BlastPoint's Banking Scorecard

First Bank

$10B-$250B Specialty: Commercial NC FDIC cert 15019

Southern Pines, NC

116 branches across NC · SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in NC.
Deposits +2.3% year over year ($11.1B on the books).
Delinquency rate 0.50%.
Return on assets 1.56%.
Efficiency ratio 48.12% vs a 53.67% peer average.
Loan-to-deposit ratio 79.95% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in NC

View $10B-$250B leaderboard (NC) →

First Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.17% above tier average
+ Efficiency Ratio 5.55% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.4% in tier
- Credit Risk Growth: Bottom 37.3% in tier
- Net Interest Margin 0.10% below tier average

Get updates when First Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$13.0B +3.4% YoY +0.7% QoQ	-$30.6B	$43.6B -13.8% YoY	$92.1B +0.4% YoY	$6.3B +7.7% YoY	16%
Total Loans ?	$8.9B +9.4% YoY +2.3% QoQ	-$19.1B	$28.0B -8.6% YoY	$45.3B +5.8% YoY	$3.2B +9.4% YoY	16%
Total Deposits ?	$11.1B +2.3% YoY +0.7% QoQ	-$24.3B	$35.4B -14.0% YoY	$72.9B +1.1% YoY	$4.9B +7.3% YoY	18%
Return on Assets ?	1.56% +23.5% YoY +3.5% QoQ	+0.17%	1.39% +25.9% YoY	1.06% +26.4% YoY	1.30% +12.1% YoY	76%
Net Interest Margin ?	3.82% +10.0% YoY +1.2% QoQ	-0.10%	3.92% +8.9% YoY	3.48% +5.1% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	48.12% -7.7% YoY +0.1% QoQ	-5.55%	53.67% -1.9% YoY	69.25% -8.2% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.50% +16.9% YoY +5.5% QoQ	-0.52%	1.01% -2.8% YoY	0.62% +17.0% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	79.95% +6.9% YoY +1.6% QoQ	-2.66%	82.61% +3.1% YoY	80.66% +1.6% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	32.59% -0.8% YoY -0.6% QoQ	+12.01%	20.58% +4.9% YoY	18.90% +1.9% YoY	21.98% -0.6% YoY	Top 12.9% in tier
Nonperforming Asset Ratio ?	0.34% +21.3% YoY +6.8% QoQ	-0.39%	0.73% +5.8% YoY	0.44% +14.6% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	14.69% -5.2% YoY -0.3% QoQ	-0.66%	15.35% -0.4% YoY	20.01% +3.4% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.28% +12.0% YoY +103.5% QoQ	-0.22%	0.50% +10.5% YoY	0.43% +2.6% YoY	0.66% +5.2% YoY	40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Noninterest-Bearing	32.6% -0.3pp YoY -0.2pp QoQ	+11.6pp	21.0%	21.8%	22.2%	86%
Brokered Deposits	0.0% 0.0pp YoY 0.0pp QoQ	-9.2pp	9.2%	7.7%	8.5%	7%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
C&I	8.5% +0.4pp YoY +0.5pp QoQ	-8.6pp	17.2%	10.5%	12.5%	14%
CRE	64.9% +1.9pp YoY +0.4pp QoQ	+22.9pp	42.0%	46.3%	41.4%	91%
1-4 Family	23.9% -2.0pp YoY -0.3pp QoQ	+0.7pp	23.1%	44.2%	31.3%	58%
Consumer	0.8% -0.1pp YoY 0.0pp QoQ	-12.1pp	12.9%	1.6%	5.0%	32%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
CET1 Ratio	14.7% -0.8pp YoY -0.1pp QoQ	-0.6pp	15.3%	22.8%	19.7%	74%
Leverage Ratio	11.5% +0.2pp YoY +0.1pp QoQ	+1.1pp	10.4%	14.4%	12.6%	82%
Total Capital Ratio	15.9% -0.8pp YoY 0.0pp QoQ	-0.6pp	16.5%	23.8%	20.8%	74%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Full-Time Employees	1,396 +16 (+1.2%) YoY +43 (+3.2%) QoQ	-1,862	3,258	5,103	482	32%
Assets per Employee ($)	$9.3M +2.2% YoY -2.4% QoQ	-$17.7M	$27.0M	$9.4M	$8.8M	25%
Branch Count	116 0 YoY 0 QoQ	-22	137	170	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.1%	0.4%	n/a
Nonaccrual	0.5% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.7%	0.7%	1.0%	38%
Allowance Coverage	2.82x -19.0% YoY -7.2% QoQ	0.00x	2.81x	3.36x	20.23x	75%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.1%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
ROE	11.6% +1.6pp YoY +0.3pp QoQ	-1.1pp	12.6%	8.7%	11.6%	54%
Cost of Funds (YTD)	1.2% -0.2pp YoY 0.0pp QoQ	-0.8pp	2.0%	1.8%	1.7%	10%
Net Income ($, YTD)	$100.6M +28.2% YoY — QoQ	-$196.2M	$296.8M	$518.0M	$40.4M	29%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#20 of 67 • Bottom 28.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.50%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#23 of 59 • Bottom 37.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 32.59%

Peer Median: 20.58%

#19 of 139 Top 12.9% in $10B-$250B

Efficiency Ratio

profitability

Value: 48.12%

Peer Median: 53.67%

#34 of 139 Top 23.7% in $10B-$250B

Return on Assets

profitability

Value: 1.56%

Peer Median: 1.39%

#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (3 metrics)

118

Total Loans

size

Value: $8.88B

Peer Median: $27.97B

#118 of 139 Bottom 15.8% in $10B-$250B

118

Total Assets

size

Value: $13.03B

Peer Median: $43.60B

#118 of 139 Bottom 15.8% in $10B-$250B

115

Total Deposits

size

Value: $11.10B

Peer Median: $35.42B

#115 of 139 Bottom 18.0% in $10B-$250B