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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Clewiston, FL · FDIC certificate #9620
FIRST BANK is an FDIC-insured institution based in Clewiston, FL (FDIC certificate #9620). In its Q3 2026 Call Report it reported total assets of $796M, total deposits of $715M and net loans of $486M. Its primary federal regulator is FDIC.
Plain-language readout
FIRST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $823M in Q1 2026 and were lowest at $796M in Q3 2026.
Total deposits were highest at $741M in Q1 2026 and lowest at $715M in Q3 2026.
Over the whole period total assets fell 3.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $796M | $715M | $486M | 1.56% | 16.64% | 4.43% |
| Q2 2026 | $811M | $727M | $493M | 1.48% | 15.69% | 4.33% |
| Q1 2026 | $823M | $741M | $475M | 1.44% | 15.42% | 4.25% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $53.5M | $78.4M | -$24.9M | -31.7% |
| Federal funds sold | $10.9M | $10.8M | +$100K | +0.9% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $214.6M | $220.6M | -$6.0M | -2.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $493.3M | $474.8M | +$18.5M | +3.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $14.7M | $14.8M | -$100K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $23.5M | $23.2M | +$287K | +1.2% |
| Total assets | $810.5M | $822.6M | -$12.1M | -1.5% |
| Liabilities | ||||
| Total deposits | $727.3M | $740.8M | -$13.5M | -1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.8M | $6.1M | -$336K | -5.5% |
| Total liabilities | $733.0M | $746.9M | -$13.8M | -1.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | $0K | 0.0% |
| Surplus | $16.9M | $16.9M | $0K | 0.0% |
| Retained earnings | $61.3M | $59.0M | +$2.3M | +3.9% |
| Accumulated other comprehensive income | -$2.2M | -$1.7M | -$567K | -34.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $77.5M | $75.8M | +$1.7M | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.5M | $171K | +$1.4M | +805.3% |
| Adjusted nonperforming assets | $1.5M | $171K | +$1.4M | +805.3% |
| Tangible equity plus allowance | $86.3M | $84.4M | +$1.9M | +2.2% |
| Texas ratio (gross) | 1.79% | 0.20% | +1.59 pts | See points |
| Texas ratio (adjusted) | 1.79% | 0.20% | +1.59 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.79% | 0.20% | +1.59 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.82% | 14.74% | +0.08 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.82% | 14.74% | +0.08 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 16.07% | 16.00% | +0.08 pts | See points |
| Tier 1 leverage (approximate) | 9.70% | 9.43% | +0.27 pts | See points |
| Construction and land loans to total capital | 57.38% | 58.03% | -0.64 pts | See points |
| Commercial real estate to total capital | 168.47% | 160.50% | +7.97 pts | See points |
| Dividend payout, year to date | 62.58% | 101.59% | -39.01 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.73% | -2.86% | -0.87 pts | See points |
| Liquidity | ||||
| Core deposits | $717.6M | $731.2M | -$13.6M | -1.9% |
| Non-core funding | $9.7M | $9.6M | +$61K | +0.6% |
| Loans to core deposits | 69.96% | 66.11% | +3.84 pts | See points |
| Loans to deposits | 69.03% | 65.26% | +3.77 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 52.19% | 52.94% | -0.75 pts | See points |
| Loans pledged, share of loans | 25.02% | 21.08% | +3.94 pts | See points |
| Volatile liabilities | $9.7M | $9.6M | +$61K | +0.6% |
| Earnings | ||||
| Earnings before provision, year to date | $8.3M | $4.1M | +$4.2M | +102.2% |
| Earnings before provision, single quarter | $4.2M | $4.1M | +$90K | +2.2% |
| Provision for credit losses, year to date | $375K | $225K | +$150K | +66.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.33% | 6.22% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.73% | 3.70% | +0.03 pts | See points |
| Total interest income to average assets | 5.07% | 4.97% | +0.10 pts | See points |
| Cost of interest-bearing transaction accounts | 1.85% | 1.86% | -0.00 pts | See points |
| Cost of savings and money market deposits | 1.28% | 1.28% | +0.00 pts | See points |
| Cost of time deposits | 2.78% | 2.71% | +0.07 pts | See points |
| Total interest expense to average assets | 1.00% | 1.02% | -0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $796M | $715M | $486M | 1.56% | 16.64% | 4.43% |
| 2026-06-30 | $811M | $727M | $493M | 1.48% | 15.69% | 4.33% |
| 2026-03-31 | $823M | $741M | $475M | 1.44% | 15.42% | 4.25% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| FL | $724M | 0.08% | 77 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.