BlastPoint's Banking Scorecard
First Bank
Mccomb, MS
14 branches across MS
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
- Deposits +2.3% year over year ($484.6M on the books).
- Delinquency rate 1.13%.
- Return on assets 1.58%.
- Efficiency ratio 63.80% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.05% above tier average
- + Efficiency Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$562.9M
+2.5% YoY
+0.8% QoQ
|
+$176.4M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$381.8M
+8.3% YoY
+3.0% QoQ
|
+$123.4M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$484.6M
+2.3% YoY
+1.1% QoQ
|
+$157.9M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
1.58%
+5.6% YoY
+7.9% QoQ
|
+0.26% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.04%
+5.5% YoY
+0.7% QoQ
|
+0.05% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
63.80%
+1.0% YoY
-2.8% QoQ
|
-0.67% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
1.13%
+50.7% YoY
+50.4% QoQ
|
+0.21% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
78.77%
+5.8% YoY
+1.8% QoQ
|
+0.82% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
23.54%
-2.0% YoY
-2.7% QoQ
|
+1.51% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.00%
+65.4% YoY
+36.3% QoQ
|
+0.33% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.96%
+0.5% YoY
-6.9% QoQ
|
-2.95% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.43%
+11.2% YoY
+114.5% QoQ
|
-0.14% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
Top 12.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.5%
-0.5pp YoY -0.7pp QoQ |
+1.4pp | 22.1% | 23.1% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.2%
+0.6pp YoY +0.5pp QoQ |
+2.6pp | 11.6% | 12.4% | 12.5% | 73% |
| CRE |
50.4%
+1.5pp YoY +0.3pp QoQ |
+10.8pp | 39.5% | 42.3% | 41.4% | 70% |
| 1-4 Family |
28.1%
-2.3pp YoY -0.8pp QoQ |
-4.6pp | 32.6% | 33.1% | 31.3% | 47% |
| Consumer |
2.2%
-0.2pp YoY -0.1pp QoQ |
-1.9pp | 4.1% | 5.6% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
13.0%
+0.1pp YoY -1.0pp QoQ |
+0.8pp | 12.2% | 11.9% | 12.6% | 75% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
111
-14 (-11.2%) YoY -7 (-5.9%) QoQ |
+52 | 58 | 297 | 482 | 90% |
| Assets per Employee ($) |
$5.1M
+15.4% YoY +7.2% QoQ |
-$2.4M | $7.5M | $6.2M | $8.8M | 16% |
| Branch Count |
14
0 YoY 0 QoQ |
+9 | 4 | 22 | 18 | 97% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 17% |
| Nonaccrual |
1.1%
+0.5pp YoY +0.4pp QoQ |
+0.2pp | 0.9% | 0.9% | 1.0% | 74% |
| Allowance Coverage |
1.20x
-39.0% YoY -32.4% QoQ |
-22.95x | 24.15x | 4.87x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.4pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+0.3pp YoY +1.0pp QoQ |
-0.5pp | 12.2% | 11.7% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY +0.1pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 27% |
| Net Income ($, YTD) |
$4.4M
+6.0% YoY — QoQ |
+$1.8M | $2.6M | $13.8M | $40.4M | 83% |
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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.