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Community Development

Our Mission Statement

In 1995, a group of friends got together on a back porch near Hattiesburg, MS and discussed the possibility of creating a bank that would not only take care of financial needs, but also take care of the individual as a whole - leading up to what we know now as The First. Now, that dream has grown from a back porch to communities all over South Mississippi, Louisiana, Alabama, Florida and Georgia.. Because The First is more than a bank, it continuously allows friends to build relationships while taking care of business one customer at a time!

The First is committed to giving back to the communities where we serve to ensure a brighter future for everyone. We strive both as a company and as individuals to improve the quality of life in our communities. The First delivers banking and credit needs to each community, including low- and moderate-income individuals. This is achieved through grants and initiatives, affordable housing, community development lending, investments, and our employees who volunteer their time and talents in each of the communities we serve. 


Corporate Social Responsibility

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.

Click here for the 2019 / 2020 CSR Report

The First CRA Public Files

The First is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). Interested parties can review the data provided and produce hard copy of documents as needed. If you need more details send us a message at

Enacted by Congress in 1977 with the intention of encouraging depository institutions to help meet the credit needs of their surrounding communities particularly low and moderate income neighborhoods. The CRA requires federal regulators to assess the record of each institution in helping to fulfill its obligations to the community. This record will then be used in evaluating certain criteria, including their activities related to community development.

  • 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

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 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.

For the most recent CRA 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 Respondent ID.  The First,  A.N.B.A. Respondent ID  is 22949.

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
It is a primary mission of The First, A.N.B.A. to promote community development in the communities we serve through the provision of financial products and services to residents and to businesses located there, and to provide development services in conjunction with its provision of financial products and services.

CDFI logo

In 2010, The First became a certified Community Development Financial Institution. CDFI's play an important role in generating economic growth and opportunity in low-income communities by providing access to financial products and services for local residents and businesses. 

Bank On | National Account Standards 2021-2022 Approved

We are proud that our First AID Checking is certified as meeting the CFE Fund’s Bank On National Account Standards for 2021-2022.
Being a part of the national Bank On movement means working with 75+ local coalitions to connect consumers to low-cost, low-fee, no-overdraft financial products!
Learn more at

If you need more details and assistance please email