BlastPoint's Banking Scorecard
First Bank
Mccomb, MS
14 branches across MS
First Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.20% above tier average
- + Net Interest Margin 0.08% above tier average
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$558.4M
+0.9% YoY
+5.5% QoQ
|
+$172.3M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$370.7M
+2.9% YoY
+1.5% QoQ
|
+$115.0M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$479.3M
+0.6% YoY
+6.5% QoQ
|
+$151.3M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.47%
+1.5% YoY
-23.0% QoQ
|
+0.20% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
4.01%
+6.8% YoY
+0.2% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
65.62%
+3.3% YoY
+12.9% QoQ
|
+0.33% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.75%
-38.0% YoY
-10.3% QoQ
|
-0.14% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
77.35%
+2.4% YoY
-4.7% QoQ
|
+0.71% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
24.19%
+5.0% YoY
-6.8% QoQ
|
+2.17% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.73%
-11.9% YoY
-11.1% QoQ
|
+0.09% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
13.92%
+4.6% YoY
-1.1% QoQ
|
-1.91% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.20%
+10.3% YoY
-83.9% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
Top 14.2% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.