Our Mission Statement
We are committed to our employees, customers, and communities. Our corporate social responsibility report reflects our positive impact on the communities we serve. The report showcases our extensive employee volunteerism, community lending and investments, charitable giving, governance and environmental initiatives.
The First CRA Public Files
- All public comments received for the current year and the prior two calendar years.
- A copy of the Public Evaluation of the bank’s most recent CRA Performance Evaluation.
- List of branch locations including hours of operation.
- Branches opened and closed by the bank during the prior two calendar years.
- A description of Personal Checking and Savings Products & Services and Business Products & Services available. Questions regarding transaction fees or cost of services should be directed to your nearest branch location.
- A map and tract listing for each assessment area designated by the bank.
- A copy of the HMDA Disclosure Statement provided by the Federal Financial Institutions Examination Council (FFIEC) pertaining to the bank filing for the prior two calendar years.
Community Reinvestment Act (CRA) Notice
Under the Federal Community Reinvestment Act (CRA), the Comptroller of the Currency) (OCC) evaluates our record of helping to meet the credit needs of this community, consistent with safe and sound operations. The OCC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the OCC; and comments received from the public relating to assessment area needs and opportunities, as well as our responses to those comments. You may review this information today by reviewing the public file which is located at www.thefirstbank.com/contact/community.
You may also have access to the following additional information, which we will make available to you after you make a request to us: (1) A map showing the assessment area containing a select branch, which is the area in which the OCC evaluates our CRA performance for that particular community; (2) branch addresses and associated branch facilities and hours in any assessment area; (3) a list of services we provide at those locations; (4) our most recent rating in the assessment area; and (5) copies of all written comments received by us that specifically relate to the needs and opportunities of a given assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.
At least 30 days before the beginning of each quarter, the OCC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Deputy Comptroller, Southern District Office, 500 N. Akard St., Suite 1600, Dallas, TX 75201.
You may send written comments regarding the needs and opportunities of any of the bank's assessment area(s) to The First, A National Banking Association – CRA Officer, PO Box 15549, Hattiesburg, MS 39404 and email@example.com and the Deputy Comptroller at 500 N. Akard St., Suite 1600, Dallas, TX 75201 and CRACOMMENTS@OCC.TREAS.GOV. Your comments, together with any response by us, will be considered by the Comptroller in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of The First Bankshares, Inc., a bank holding company. You may request from the Officer in Charge of Supervision, Federal Reserve Bank of Atlanta, 1000 Peachtree Street NE Atlanta, GA 30309 an announcement of applications covered by the CRA filed by bank holding company.
HMDA Disclosure Statements
For the most recent HMDA data available, please select the link below. Once you arrive at the FFIEC website, you will need to choose the information you wish to review and enter the institution name or LEI. The First, A.N.B.A. Legal Entity Identifier (LEI) is 5493008OE5JXNTGWD962.
The First Community Development Mission Statement