First Bancshares (OTCMKTS:FBSI), Inc. is a bank holding company headquartered in Southern Pines, North Carolina. Established in 1999 through the reorganization of First Bank into a holding company structure, First Bancshares serves as the parent of First Bank, a community-oriented financial institution. The company’s core mission is to deliver personalized banking solutions to individuals, small businesses and commercial clients across its regional footprint.
Through its banking subsidiary, First Bancshares offers a comprehensive suite of financial products and services, including deposit accounts, consumer and commercial lending, treasury and cash management, residential mortgage lending, and digital banking services. Additional lines of business include wealth management, trust and fiduciary services, as well as insurance brokerage and advisory services provided through affiliated entities.
First Bancshares operates in key markets throughout the southeastern United States, with branch locations in North Carolina, South Carolina, Virginia, Tennessee and Florida. The company has grown its franchise both organically and via strategic acquisitions, maintaining a focus on local decision-making and community engagement. Customers can access services through a network of branch offices, ATMs, online and mobile platforms, ensuring a consistent experience across channels.
Governance and leadership at First Bancshares are anchored by a seasoned management team with deep expertise in banking, finance and risk management. The board of directors comprises individuals with backgrounds in commercial banking, real estate, accounting and community development. This experienced leadership group emphasizes conservative lending practices, strong capital discipline and a commitment to serving the financial needs of communities across its markets.
