FIRST BANCSHARES CORP is the parent banking group. FIRST BANK, UPPER MICHIGAN is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FIRST BANCSHARES CORP

Legal name: FIRST BANCSHARES CORPORATION

1 active bank · 1 merged/absorbed · $632M combined assets

RSSD ID: 1978414 (FFIEC NIC)

Combined Assets

$632M

CRA Rating Summary

Satisfactory1charter

Across all 15 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST BANK, UPPER MICHIGANGLADSTONE, MISatisfactory$632MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$632M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$532M

Net Income

$3M

ROA (avg)

1.95%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST BANK, UPPER MICHIGAN	GLADSTONE, MI	FDIC	$632M	100.0%	Satisfactory	Nov 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.