First Bancorp (FBNC) ROA: History & Chart

First Bancorp(FBNC)

Banks - Regional · Southern Pines, NC

$60.08-1.71 (-2.78%)

Delayed quote: Oct 6, 2026, 2:30 PM EDT

About First Bancorp

First Bancorp (FBNC) functions as the parent company of First Bank, offering a diverse array of financial solutions to individuals and small to medium-sized businesses. Its operational focus is primarily within North Carolina and the northeastern region of South Carolina. The institution provides various deposit options, such as transactional accounts (checking, savings, money market) and fixed-term products, including certificates of deposit and individual retirement accounts. For its lending portfolio, First Bank extends credit for a wide range of consumer and commercial purposes. This encompasses financing for businesses, real estate, personal needs, home improvements, and vehicle purchases, alongside residential mortgages and Small Business Administration (SBA) loans. Additionally, it offers specialized commercial funding options like accounts receivable financing, factoring, inventory financing, and purchase order financing. Beyond core banking, clients have access to credit and debit cards, letters of credit, and safe deposit box rentals. Its digital and electronic services include wire transfers, online and mobile banking platforms, cash management tools, telephone banking, and remote check deposit capabilities. Furthermore, First Bancorp provides investment and insurance products, featuring mutual funds, annuities, various insurance policies (long-term care, life, property, and casualty), and company retirement plans. Comprehensive financial planning services are also available. As of December 31, 2021, the company maintained an extensive network of 121 branches, with 114 located in North Carolina and 7 in South Carolina. First Bancorp was established in 1934 and its corporate headquarters are situated in Southern Pines, North Carolina.

Southern Pines, NC

1,374 employees

localfirstbank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Richard Hancock Moore

View full financials

FBNC Return on Assets (ROA) Metrics

RETURN ON ASSETS (ROA)

1.02%

RETURN ON ASSETS (ROA) AVG TTM

0.76%

RETURN ON ASSETS (ROA) AVG 3Y

0.94%

RETURN ON ASSETS (ROA) AVG 5Y

0.96%

RETURN ON ASSETS (ROA) AVG 10Y

1.02%

RETURN ON ASSETS (ROA) AVG 15Y

0.79%

RETURN ON ASSETS (ROA) AVG 20Y

0.84%

CURRENT VS TTM AVG

+35.10%

CURRENT VS 3Y AVG

+8.80%

CURRENT VS 5Y AVG

+5.88%

CURRENT VS 10Y AVG

+0.27%

CURRENT VS 15Y AVG

+28.61%

CURRENT VS 20Y AVG

+21.53%

SECTOR MEDIAN · FINANCIAL SERVICES

1.23%

median of 710 covered companies

CURRENT VS SECTOR MEDIAN

-17.41%

vs the sector median at left

NAME	MARKET CAP	RETURN ON ASSETS (ROA)	TTM	3Y	5Y
First Bancorp (FBNC)	$2.49B	1.02%	0.76%	0.94%	0.96%
First Busey Corporation (BUSE)vs ›	$2.48B	1.27%	0.84%	0.93%	0.94%
Columbia Financial, Inc. (CLBK)vs ›	$2.48B	0.48%	0.18%	0.38%	0.53%
First Merchants Corporation (FRME)vs ›	$2.49B	0.87%	1.15%	1.19%	1.19%
Oxford Lane Capital Corp. (OXLCM)vs ›	$2.44B	-31.96%	-15.13%	-7.41%	1.72%
Merchants Bancorp (MBINM)vs ›	$2.54B	1.27%	1.41%	1.55%	1.68%
WaFd, Inc. (WAFDP)vs ›	$2.58B	0.93%	0.78%	0.96%	0.95%
Merchants Bancorp (MBINN)vs ›	$2.39B	1.27%	1.41%	1.55%	1.68%
The Baldwin Insurance Group, Inc. (BWIN)vs ›	$2.58B	-1.32%	-0.78%	-1.34%	-1.24%
Merchants Bancorp (MBINL)vs ›	$2.38B	1.27%	1.41%	1.55%	1.68%

NAME

MARKET CAP

RETURN ON ASSETS (ROA)

TTM

First Bancorp (FBNC)

$2.49B

1.02%

0.76%

0.94%

0.96%

First Busey Corporation (BUSE)vs ›

$2.48B

1.27%

0.84%

0.93%

0.94%

Columbia Financial, Inc. (CLBK)vs ›

$2.48B

0.48%

0.18%

0.38%

0.53%

First Merchants Corporation (FRME)vs ›

$2.49B

0.87%

1.15%

1.19%

Oxford Lane Capital Corp. (OXLCM)vs ›

$2.44B

-31.96%

-15.13%

-7.41%

1.72%

Merchants Bancorp (MBINM)vs ›

$2.54B

1.27%

1.41%

1.55%

1.68%

WaFd, Inc. (WAFDP)vs ›

$2.58B

0.93%

0.78%

0.96%

0.95%

Merchants Bancorp (MBINN)vs ›

$2.39B

1.27%

1.41%

1.55%

1.68%

The Baldwin Insurance Group, Inc. (BWIN)vs ›

$2.58B

-1.32%

-0.78%

-1.34%

-1.24%

Merchants Bancorp (MBINL)vs ›

$2.38B

1.27%

1.41%

1.55%

1.68%

Return on Assets (ROA) FAQ

What is the return on assets (ROA) for First Bancorp (FBNC)?

The return on assets (ROA) for FBNC stock is 1.02%.

Is First Bancorp's return on assets (ROA) high or low?

The return on assets (ROA) of 1.02% is in line with its 5-year average of 0.96%, around the middle of its 5-year range (0.63%–1.38%).

What is the TTM average return on assets (ROA) for First Bancorp (FBNC)?

The TTM average return on assets (ROA) for FBNC stock is 0.76%.

What is the 3Y average return on assets (ROA) for First Bancorp (FBNC)?

The 3Y average return on assets (ROA) for FBNC stock is 0.94%.

What is the 5Y average return on assets (ROA) for First Bancorp (FBNC)?

The 5Y average return on assets (ROA) for FBNC stock is 0.96%.

What is the 10Y average return on assets (ROA) for First Bancorp (FBNC)?

The 10Y average return on assets (ROA) for FBNC stock is 1.02%.

What is the 15Y average return on assets (ROA) for First Bancorp (FBNC)?

The 15Y average return on assets (ROA) for FBNC stock is 0.79%.

What is the 20Y average return on assets (ROA) for First Bancorp (FBNC)?

The 20Y average return on assets (ROA) for FBNC stock is 0.84%.

DATE	RETURN ON ASSETS (ROA)
2025-12-31	0.88%
2024-12-31	0.63%
2023-12-31	0.86%
2022-12-31	1.38%
2021-12-31	0.91%
2020-12-31	1.12%
2019-12-31	1.50%
2018-12-31	1.52%
2017-12-31	0.83%
2016-12-31	0.76%
2015-12-31	0.80%
2014-12-31	0.78%
2013-12-31	0.65%
2012-12-31	-0.72%
2011-12-31	0.41%
2010-12-31	0.30%
2009-12-31	1.70%
2008-12-31	0.80%
2007-12-31	0.94%
2006-12-31	0.90%
2005-12-31	0.89%
2004-12-31	1.23%
2003-12-31	1.32%
2002-12-31	1.41%
2001-12-31	1.19%
2000-12-31	1.02%
1999-12-31	1.33%
1998-12-31	2.23%
1997-12-31	1.24%
1996-12-31	1.28%

DATE

RETURN ON ASSETS (ROA)

2025-12-31

0.88%

2024-12-31

0.63%

2023-12-31

0.86%

2022-12-31

1.38%

2021-12-31

0.91%

2020-12-31

1.12%

2019-12-31

1.50%

2018-12-31

1.52%

2017-12-31

0.83%

2016-12-31

0.76%

2015-12-31

0.80%

2014-12-31

0.78%

2013-12-31

0.65%

2012-12-31

-0.72%

2011-12-31

0.41%

2010-12-31

0.30%

2009-12-31

1.70%

2008-12-31

0.80%

2007-12-31

0.94%

2006-12-31

0.90%

2005-12-31

0.89%

2004-12-31

1.23%

2003-12-31

1.32%

2002-12-31

1.41%

2001-12-31

1.19%

2000-12-31

1.02%

1999-12-31

1.33%

1998-12-31

2.23%

1997-12-31

1.24%

1996-12-31

1.28%

Return on Assets (ROA): 1.02%

FBNC Return on Assets (ROA)

FBNC Average Return on Assets (ROA) Chart

FBNC Current vs Average Return on Assets (ROA) Chart

FBNC Return on Assets (ROA) Metrics

FBNC Competitors' Return on Assets (ROA)

Asset Efficiency

Return on Assets (ROA) Formula & Definition

Return on Assets (ROA) FAQ

FBNC Return on Assets (ROA) History

Related Metrics