First Bank is a bank based in Southern Pines, North Carolina, established in 1934, with $12.9 billion in total assets across 116 branches. By Trust Grade it ranks 2nd of 38 banks we track in North Carolina. Its capital ratio of 13.4% is stronger than 79% of similarly sized banks, versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 1.51% return on assets. No consumer complaints against First Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Bank compares to North Carolina peers
How we graded First Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.4% capital ratio)
- Strongly profitable (ROA 1.51%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (116)
- 301 S Main St, Fairmont, NC 28340
- 205 S Main St, Kenansville, NC 28349
- 108 Tobacco Dr, Wallace, NC 28466
- 2801 N Elm St, Lumberton, NC 28358
- 210 W 3rd St, Pembroke, NC 28372
- 301 W Broad St, St. Pauls, NC 28384
- 601 S Main St, Laurinburg, NC 28352
- 3364 Harmony Hwy, Harmony, NC 28634
- 114 Main St W, Locust, NC 28097
- 11410 N Main St, Archdale, NC 27263
- 201 Highway 301 N, Dillon, SC 29536
- 108 N Middleton St, Robbins, NC 27325
- 17948 S Nc Highway 109, Denton, NC 27239
- 102 Lakeway Drive, West End, NC 27376
- 5 Blake Blvd, Pinehurst, NC 28374
- 3948 Chatham St, Bennett, NC 27208
- 1040 Albemarle Rd, Troy, NC 27371
- 135 N Highway 49, Richfield, NC 28137
- 421 S Main St, Kannapolis, NC 28081
- 100 Bank Street, Vass, NC 28394
- 105 S Sandhills Blvd, Aberdeen, NC 28315
- 121 W Main St, Seagrove, NC 27341
- 1000 S Main St, Lillington, NC 27546
- 1333 Plaza Blvd, Sanford, NC 27330
- 2630 S Horner Blvd, Sanford, NC 27332
- 415 N Raleigh St, Angier, NC 27501
- 203 W Cherokee St, Blacksburg, SC 29702
- 229 N Main St, Broadway, NC 27505
- 1254 E Broad Ave, Rockingham, NC 28379
- 232 W Broad St, Elizabethtown, NC 28337
- 102 E 5th St, Tabor City, NC 28463
- 827 New Bridge St, Jacksonville, NC 28540
- 3605 Oleander Dr, Wilmington, NC 28403
- 1503 Live Oak St, Beaufort, NC 28516
- 639 W 15th St, Washington, NC 27889
- 770 W Main St, Belhaven, NC 27810
- 2007 S Croatan Hwy, Kill Devil Hills, NC 27948
- 10 Chinquapin Rd, Pinehurst, NC 28374
- 10205 Us 15 501 Hwy, Southern Pines, NC 28387
- 100 Waters Dr, Southern Pines, NC 28387
Are deposits at First Bank insured?
Yes. First Bank is an FDIC-insured bank (FDIC certificate #15019). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Bank: frequently asked questions
Is First Bank a good bank?
First Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.4% capital ratio); Strongly profitable (ROA 1.51%).
Is First Bank FDIC-insured?
Yes. First Bank is a FDIC-insured bank (FDIC certificate #15019). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Bank?
First Bank holds $12.9 billion in total assets, ranking 2nd of 38 banks we track in North Carolina. It operates 116 branches.
Does First Bank have CFPB complaints?
No CFPB complaints against First Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
