First State Bank
Wrens, GA
IDRSSD: 36933
Total Assets
$495.19M
Latest filing
Total Deposits
$430.84M
Latest filing
Net Interest Margin
4.45%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 11/14/2025 |
| CERT | 19163 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $495.19M |
| Total Deposits | $430.84M |
| Total Liabilities | $453.50M |
| Total Equity Capital | $41.69M |
| Net Income | $2.29M |
| Net Loans and Leases | $409.83M |
| Assets Per Employee ($Millions) | $11.25M |
| Bank Premises and Fixed Assets | $7.00M |
| Cash and Balances due from Depository Institutions | $14.06M |
| Deposits Held in Domestic Offices | $430.84M |
Key Performance Ratios
| Return on Assets (ROA) | 1.88% |
| Return on Equity (ROE) | 22.9% |
| Net Interest Margin | 4.45% |
| Efficiency Ratio | 43.02% |
| Tier 1 Risk-Based Capital Ratio | 12.048% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.419% |
| Earning Assets to total Assets | 95.01% |
Income and Expense
| Total Interest Income | $8.78M |
| Total Noninterest Income | $415.00k |
| Total Interest Expense | $3.65M |
| Total Noninterest Expense | $2.39M |
| Net Interest Income | $5.13M |
| Pre-tax Net Operating Income | $3.04M |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $203.00k |
| Other borrowed funds | $19.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $346.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.15M |
| Total Liabilities and Capital | $495.19M |
Securities
| Securities | $53.19M |
| Available-for-sale debt securities | $52.69M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$495.19M as of the latest filing.
How much are First State Bank's total deposits?
$430.84M in total deposits.
Where is First State Bank located?
Wrens, GA.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
6.
When was it established?
07/06/1964.
What is the Return on Assets (ROA)?
1.88%.
How much are total loans and leases?
$409.83M (latest filing).
What is the total interest income (latest filing)?
$8.78M.