First Bancshares, Inc. is a holding company of First Home Savings Bank (the Bank). The Bank is a Missouri-chartered, federally insured stock savings and loan association. As of June 30, 2011, the Bank conducted its business from its home office in Mountain Grove and 10 full-service branch facilities in Marshfield, Ava, Gainesville, Sparta, Theodosia, Crane, Galena, Kissee Mills, Rockaway Beach and Springfield, Missouri. The Bank provides its customers with an array of community banking services. The Bank is primarily engaged in the business of attracting deposits from the general public and using such deposits, together with other funding sources, to invest in residential mortgage loans, commercial real estate loans, land loans, second mortgage loans, consumer loans and commercial business loans, for its loan portfolio.