First Bank
Southern Pines, NC
IDRSSD: 216922
Total Assets
$12.66B
Latest filing
Total Deposits
$10.76B
Latest filing
Net Interest Margin
3.78%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
053104568SOUTHERN PINES, NC
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First Bank
205 Se Broad St
Southern Pines, NC 28387
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 9417
Branches (115)
Page 1 of 17| Name | Address | City / State |
|---|---|---|
| First Bank (Main) | 205 Se Broad St | Southern Pines, NC |
| 062 FAIRMONT | 301 S Main St | Fairmont, NC |
| 064 KENANSVILLE | 205 S Main St | Kenansville, NC |
| 063 WALLACE | 108 Tobacco Dr | Wallace, NC |
| 056 LUMBERTON | 2801 N Elm St | Lumberton, NC |
| 057 PEMBROKE | 210 W 3rd St | Pembroke, NC |
| 058 ST. PAULS BRANCH | 301 W Broad St | St. Pauls, NC |
| 029 LAURINBURG | 601 S Main St | Laurinburg, NC |
Showing 7 of 115
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1934 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 28387 |
| State and County Number | 37125 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Pinehurst-Southern Pines, NC |
Operational Info
| Number of Employees | 1,352 |
| Domestic Offices | 116 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/01/2023 |
| Date of Deposit Insurance | 02/08/1935 |
| Primary Insurance Agency | DIF |
| Website | www.localfirstbank.com |
| Data Updated | 01/30/2026 |
| CERT | 15019 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $12.66B |
| Total Deposits | $10.76B |
| Total Liabilities | $10.95B |
| Total Equity Capital | $1.71B |
| Net Income | $17.24M |
| Net Loans and Leases | $8.61B |
| Assets Per Employee ($Millions) | $9.36M |
| Bank Premises and Fixed Assets | $152.49M |
| Cash and Balances due from Depository Institutions | $311.95M |
| Deposits Held in Domestic Offices | $10.76B |
Key Performance Ratios
| Return on Assets (ROA) | 0.54% |
| Return on Equity (ROE) | 4.08% |
| Net Interest Margin | 3.78% |
| Efficiency Ratio | 47.76% |
| Tier 1 Risk-Based Capital Ratio | 14.689% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.487% |
| Earning Assets to total Assets | 89.59% |
Income and Expense
| Total Interest Income | $143.61M |
| Total Noninterest Income | $23.72M |
| Total Interest Expense | $35.96M |
| Total Noninterest Expense | $64.03M |
| Net Interest Income | $107.65M |
| Pre-tax Net Operating Income | $62.60M |
| Provision for Credit Losses | $4.73M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.43M |
| Other borrowed funds | $753.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $193.70M |
| Total Liabilities and Capital | $12.66B |
Securities
| Securities | $2.56B |
| Available-for-sale debt securities | $2.05B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $513.10M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Bank?
$12.66B as of the latest filing.
How much are First Bank's total deposits?
$10.76B in total deposits.
Where is First Bank located?
Southern Pines, NC.
What is the Net Interest Margin?
3.78%.
How many domestic offices does it operate?
116.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.54%.
How much are total loans and leases?
$8.61B (latest filing).
What is the total interest income (latest filing)?
$143.61M.