First State Bank
Wrens, GA
IDRSSD: 36933
Total Assets
$513.05M
Latest filing
Total Deposits
$451.81M
Latest filing
Net Interest Margin
4.47%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061101113WRENS, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
300 E Broad St
Wrens, GA 30833
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/06/1964FDIC Certificate 12987
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 300 E Broad St | Wrens, GA |
| PEACHTREE STREET BRANCH | 900 Peachtree St | Louisville, GA |
| AMERICUS BRANCH | 801 E Lamar St | Americus, GA |
| WARRENTON BRANCH | 189 Legion Dr | Warrenton, GA |
| HARLEM BRANCH | 140 W Milledgeville Rd | Harlem, GA |
| EVANS BRANCH | 444 N Belair Rd | Evans, GA |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/06/1964 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30833 |
| State and County Number | 13163 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 44 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/06/1964 |
| Primary Insurance Agency | DIF |
| Website | www.firstate.net |
| Data Updated | 01/30/2026 |
| CERT | 19163 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $513.05M |
| Total Deposits | $451.81M |
| Total Liabilities | $469.86M |
| Total Equity Capital | $43.20M |
| Net Income | $1.68M |
| Net Loans and Leases | $412.61M |
| Assets Per Employee ($Millions) | $10.92M |
| Bank Premises and Fixed Assets | $8.23M |
| Cash and Balances due from Depository Institutions | $28.78M |
| Deposits Held in Domestic Offices | $451.81M |
Key Performance Ratios
| Return on Assets (ROA) | 1.34% |
| Return on Equity (ROE) | 15.86% |
| Net Interest Margin | 4.47% |
| Efficiency Ratio | 46.49% |
| Tier 1 Risk-Based Capital Ratio | 12.274% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.65% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.419% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $9.00M |
| Total Noninterest Income | $421.00k |
| Total Interest Expense | $3.65M |
| Total Noninterest Expense | $2.68M |
| Net Interest Income | $5.35M |
| Pre-tax Net Operating Income | $2.27M |
| Provision for Credit Losses | $820.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $222.00k |
| Other borrowed funds | $14.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $349.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.04M |
| Total Liabilities and Capital | $513.05M |
Securities
| Securities | $52.36M |
| Available-for-sale debt securities | $51.86M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $500.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$513.05M as of the latest filing.
How much are First State Bank's total deposits?
$451.81M in total deposits.
Where is First State Bank located?
Wrens, GA.
What is the Net Interest Margin?
4.47%.
How many domestic offices does it operate?
6.
When was it established?
07/06/1964.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$412.61M (latest filing).
What is the total interest income (latest filing)?
$9.00M.