First Bank (FDIC #15019): Bank Stress & Real-Estate Credit Exposure

First Bank (FDIC Cert #15019): bank stress 47/100, moderate, STABLE over 7 days; parent FIRST BCORP.

First Bank (#15019) lends in 51 counties across 2 states; First Bank (#15019) reaches 687 ZIP codes: North Carolina 41 counties, 511 ZIPs; South Carolina 10 counties, 176 ZIPs.

First Bank (#15019) largest markets: Wake County, NC (164 branches, 41 ZIPs) (#15019), Mecklenburg County, NC (111 branches, 37 ZIPs) (#15019), Guilford County, NC (210 branches, 35 ZIPs) (#15019), Charleston County, SC (31 branches, 31 ZIPs) (#15019), Greenville County, SC (108 branches, 27 ZIPs) (#15019), Richland County, SC (25 branches, 25 ZIPs) (#15019).

First Bank (#15019) reports $13.03 billion in total assets; First Bank (#15019) equity $1.77 billion (13.6% of First Bank (#15019) assets); First Bank (#15019) domestic deposits $11.10 billion; First Bank (#15019) net income $100.6 million; First Bank (#15019) return on assets 1.56%; First Bank (#15019) return on equity 11.56%; First Bank (#15019) net interest income $220.8 million; First Bank (#15019) call report June 30, 2026.

First Bank (#15019) noncurrent real-estate loans: none reported; First Bank (#15019) net charge-offs on real estate 0.45%; First Bank (#15019) residential charge-offs 0.53%.

First Bank (#15019) net interest margin 3.82% against an eight-quarter First Bank (#15019) average of 3.48% (First Bank (#15019) compression -0.34 points); First Bank (#15019) real-estate loans 0.2% of equity; First Bank (#15019) non-residential real estate 53.0% of equity; First Bank (#15019) rate-exposure score 40/100, First Bank (#15019) fixed-rate trap 40/100; First Bank (#15019) risk type credit driven; First Bank (#15019) rate regime rates elevated, First Bank (#15019) snapshot October 19, 2026.

First Bank (#15019) stress score moved from 46.7 on June 22, 2026 to 46.6 on October 20, 2026; First Bank (#15019) ranged 46.6 to 46.7 over 117 snapshots.

First Bank (#15019) alerts: 40 counties; top First Bank (#15019) alert scores: Washington County, NC 46 (moderate); Rockingham County, NC 36 (moderate); Anderson County, NC 18 (low); Blacksburg County, NC 18 (low); Brevard County, NC 18 (low).