First Bancshares, Inc. is a holding company of First Home Savings Bank (the Bank). The Bank provides its customers with a full range of community banking services. The Bank is primarily engaged in the business of attracting deposits from, and making loans to, the general public, including individuals and businesses. The Bank originates real estate loans, including one-to-four family residential mortgage loans, multi-family residential loans, commercial real estate loans, agricultural real estate loans and home equity loans, as well as, non-real estate loans, including commercial business, agricultural business, and consumer loans. The Bank also invests in mortgage-back securities, United States government and agency securities, and other assets.