First State Bank
Waynesboro, MS
IDRSSD: 924236
Total Assets
$949.76M
Latest filing
Total Deposits
$852.41M
Latest filing
Net Interest Margin
2.92%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First State Bank
708 Azalea Dr
Waynesboro, MS 39367
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/01/1934FDIC Certificate 9939
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| First State Bank (Main) | 708 Azalea Dr | Waynesboro, MS |
| STATE LINE BRANCH | 261 Saint Peter St | State Line, MS |
| DRIVE-IN BRANCH | 2364 Buckatunna Chicora Clara Rd | Buckatunna, MS |
| CLARA BRANCH | 35 Buckatunna Chicora Clara Rd | Waynesboro, MS |
| NORTHSIDE MINI-BANK BRANCH | 902 Robinson St | Waynesboro, MS |
| MORTGAGE LOAN CENTER BRANCH | 717 Wayne St | Waynesboro, MS |
| QUITMAN BRANCH | 310 S Archusa Ave | Quitman, MS |
| GATEWAY BRANCH | 12139 Highway 63 S | Lucedale, MS |
Showing 7 of 15
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
Similar banks
Story Bank DBA Story Financial Partners
Jackson, Mississippi
→
Assets: $910.53MΔ -1.9%
Merchants & Marine Bank
Pascagoula, Mississippi
→
Assets: $947.47MΔ +2.0%
First Security Bank
Batesville, Mississippi
→
Assets: $954.04MΔ +2.7%
Bank of Commerce
Greenwood, Mississippi
→
Assets: $973.53MΔ +4.8%
FNB Oxford Bank
Oxford, Mississippi
→
Assets: $864.72MΔ -6.9%
BNA Bank
New Albany, Mississippi
→
Assets: $821.47MΔ -11.5%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39367 |
| State and County Number | 28153 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 182 |
| Domestic Offices | 16 |
| 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 | 05/01/1939 |
| Primary Insurance Agency | DIF |
| Website | www.firststatebnk.com |
| Data Updated | 01/30/2026 |
| CERT | 15663 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $949.76M |
| Total Deposits | $852.41M |
| Total Liabilities | $858.85M |
| Total Equity Capital | $90.92M |
| Net Income | $899.00k |
| Net Loans and Leases | $496.43M |
| Assets Per Employee ($Millions) | $5.28M |
| Bank Premises and Fixed Assets | $10.24M |
| Cash and Balances due from Depository Institutions | $70.55M |
| Deposits Held in Domestic Offices | $852.41M |
Key Performance Ratios
| Return on Assets (ROA) | 0.38% |
| Return on Equity (ROE) | 3.94% |
| Net Interest Margin | 2.92% |
| Efficiency Ratio | 77.99% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.573% |
| Earning Assets to total Assets | 93.24% |
Income and Expense
| Total Interest Income | $11.00M |
| Total Noninterest Income | $961.00k |
| Total Interest Expense | $4.64M |
| Total Noninterest Expense | $5.72M |
| Net Interest Income | $6.37M |
| Pre-tax Net Operating Income | $1.31M |
| Provision for Credit Losses | $302.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.92M |
| Other borrowed funds | $220.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $15.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.22M |
| Total Liabilities and Capital | $949.76M |
Securities
| Securities | $310.41M |
| Available-for-sale debt securities | $309.77M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $632.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First State Bank?
$949.76M as of the latest filing.
How much are First State Bank's total deposits?
$852.41M in total deposits.
Where is First State Bank located?
Waynesboro, MS.
What is the Net Interest Margin?
2.92%.
How many domestic offices does it operate?
16.
When was it established?
05/01/1934.
What is the Return on Assets (ROA)?
0.38%.
How much are total loans and leases?
$496.43M (latest filing).
What is the total interest income (latest filing)?
$11.00M.