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First State Bank

Waynesboro, MS
IDRSSD: 924236
Total Assets
$928.55M
Latest filing
Total Deposits
$830.28M
Latest filing
Net Interest Margin
2.79%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date05/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP39367
State and County Number28153
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees181
Domestic Offices16
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance05/01/1939
Primary Insurance AgencyDIF
Websitewww.firststatebnk.com
Data Updated11/14/2025
CERT15663
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$928.55M
Total Deposits$830.28M
Total Liabilities$836.93M
Total Equity Capital$91.62M
Net Income$935.00k
Net Loans and Leases$478.99M
Assets Per Employee ($Millions)$5.1M
Bank Premises and Fixed Assets$10.28M
Cash and Balances due from Depository Institutions$63.40M
Deposits Held in Domestic Offices$830.28M

Key Performance Ratios

Return on Assets (ROA)0.41%
Return on Equity (ROE)4.16%
Net Interest Margin2.79%
Efficiency Ratio81.18%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.867%
Earning Assets to total Assets92.71%

Income and Expense

Total Interest Income$10.79M
Total Noninterest Income$937.00k
Total Interest Expense$4.82M
Total Noninterest Expense$5.60M
Net Interest Income$5.96M
Pre-tax Net Operating Income$1.30M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$3.25M
Other borrowed funds$242.00k
Federal Funds Sold & Reverse Repurchase Agreement$12.30M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$6.40M
Total Liabilities and Capital$928.55M

Securities

Securities$316.23M
Available-for-sale debt securities$315.57M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$663.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of First State Bank?
$928.55M as of the latest filing.
How much are First State Bank's total deposits?
$830.28M in total deposits.
Where is First State Bank located?
Waynesboro, MS.
What is the Net Interest Margin?
2.79%.
How many domestic offices does it operate?
16.
When was it established?
05/01/1934.
What is the Return on Assets (ROA)?
0.41%.
How much are total loans and leases?
$478.99M (latest filing).
What is the total interest income (latest filing)?
$10.79M.