First Bank

First Bank is a currently active commercial lending specialization banking institution headquartered in Southern Pines, North Carolina. Established in 01/01/1934, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First Bank manages $12.94B in total assets and holds $11.03B in customer deposits. When evaluating the stability of First Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 13.45%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.51%, while its Return on Equity (ROE) sits at 11.21%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.