The First Bank

The First Bancshares, Inc. operates as the holding company for The First, A National Banking Association that provides commercial and retail banking services to small to medium-sized businesses, professional concerns, and individuals. It accepts various deposit products, including checking accounts, NOW accounts, and savings accounts; time deposits, such as money market accounts and certificates of deposit; and individual retirement accounts. The company also offers commercial loans comprising secured and unsecured loans for working capital, business expansion, and purchase of equipment and machinery; consumer loans consisting of equity lines of credit, and secured and unsecured loans for financing automobiles, home improvements, education, and personal investments; and real estate construction and acquisition loans. In addition, it originates loans to purchase existing residential homes or construct new homes, and to refinance existing mortgages; and provides financial and wealth management services. Further, the company offers Internet banking services, voice response telephone inquiry services, commercial sweep accounts, cash management services, safe deposit boxes, travelers checks, mobile deposit, direct deposit of payroll and social security checks, automatic drafts for various accounts, automated teller machines, and credit card services. It operates through 43 full-service branches, 1 motor bank facility, and 4 loan production offices in the states of Mississippi, Alabama, Louisiana, and Florida. The First Bancshares, Inc. was incorporated in 1995 and is headquartered in Hattiesburg,...