FBMS Profile
The First Bancshares, Inc. operates as the holding company overseeing The First, A National Banking Association, a provider of comprehensive commercial and retail banking services. Organized into three distinct segments Commercial/Retail Bank, Mortgage Banking Division, and Holding Company the firm delivers a broad spectrum of financial products to meet the needs of businesses and individuals alike. Its deposit services encompass checking, NOW, and savings accounts, alongside various time deposits including money market accounts and certificates of deposit, as well as retirement and health savings accounts.
The company's lending portfolio is diversified, offering commercial loans tailored for working capital, business expansion, and equipment acquisition, as well as consumer loans such as equity lines of credit and financing for automobiles, home improvements, education, and personal investments. It also specializes in real estate construction and acquisition loans, along with mortgage origination and refinancing services. Additionally, The First Bancshares, Inc. provides a comprehensive suite of financial and wealth management services.
In addition to traditional banking services, The First Bancshares, Inc. enhances customer convenience through internet banking, automated teller machines (ATMs), voice response services, commercial sweep accounts, cash management solutions, and safe deposit boxes. The company also offers merchant services, mobile deposit capabilities, direct deposit services, automatic drafts, and credit card facilities, ensuring a seamless banking experience for its diverse client base.
Founded in 1995 and headquartered in Hattiesburg, Mississippi, The First Bancshares, Inc. operates a network of 90 locations across Mississippi, Alabama, Florida, Georgia, and Louisiana. Known for its community-focused approach and commitment to customer satisfaction, the company continues to strengthen its presence in the banking industry by leveraging technology and personalized service to meet the evolving financial needs of its customers.
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