First Bank (FDIC #5907): Bank Stress & Real-Estate Credit Exposure
First Bank (FDIC Cert #5907): bank stress 48/100, moderate, STABLE over 7 days; parent FIRST SOUTHWEST CORP.
First Bank (#5907) lends in 7 counties across 1 state; First Bank (#5907) reaches 47 ZIP codes: Mississippi 7 counties, 47 ZIPs.
First Bank (#5907) largest markets: Lincoln County, MS (24 branches, 12 ZIPs) (#5907), Madison County, MS (12 branches, 12 ZIPs) (#5907), Amite County, MS (9 branches, 9 ZIPs) (#5907), Lawrence County, MS (8 branches, 8 ZIPs) (#5907), Forrest County, MS (8 branches, 8 ZIPs) (#5907), Pike County, MS (56 branches, 8 ZIPs) (#5907).
First Bank (#5907) reports $562.9 million in total assets; First Bank (#5907) equity $73.6 million (13.1% of First Bank (#5907) assets); First Bank (#5907) domestic deposits $484.6 million; First Bank (#5907) net income $4.4 million; First Bank (#5907) return on assets 1.58%; First Bank (#5907) return on equity 11.72%; First Bank (#5907) net interest income $10.4 million; First Bank (#5907) call report June 30, 2026.
First Bank (#5907) noncurrent real-estate loans: none reported; First Bank (#5907) net charge-offs on real estate 0.74%; First Bank (#5907) multifamily charge-offs 2.60%; First Bank (#5907) residential charge-offs 0.15%.
First Bank (#5907) net interest margin 4.04% against an eight-quarter First Bank (#5907) average of 3.88% (First Bank (#5907) compression -0.17 points); First Bank (#5907) non-residential real estate 15.3% of equity; First Bank (#5907) rate-exposure score 40/100, First Bank (#5907) fixed-rate trap 40/100; First Bank (#5907) risk type credit driven; First Bank (#5907) rate regime rates elevated, First Bank (#5907) snapshot October 19, 2026.
First Bank (#5907) stress score held at 48.1 across 116 daily snapshots, June 22, 2026 to October 19, 2026.
First Bank (#5907) alerts: 6 counties; top First Bank (#5907) alert scores: Madison County, MS 32 (low); Brookhaven County, MS 18 (low); Hattiesburg County, MS 18 (low); Liberty County, MS 18 (low); Monticello County, MS 18 (low).