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 First State Bank
First State Bank
| RSSD ID 924236 | CERTIFICATE 15663 | ABA NUMBER 65304084 |
| 708 Azalea Dr |
Quarter Ended : |
2025-12-31 |
| Waynesboro, Mississippi, 39367 |
Updated : |
2026-01-23 |
| www.firststatebnk.com |
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| Institution Profile |
| Year Opened : |
1934 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
16 |
Number of Employees : |
180 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 949,765 |
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Total Interest Income | 42,700 |
| Total Liabilities | 858,847 |
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Total NonInterest Income | 4,002 |
| Total Bank Equity Capital | 90,918 |
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Total Interest Expense | 19,408 |
| Total Deposits | 852,409 |
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Total NonInterest Expense | 22,039 |
| Net Loans & Leases | 496,427 |
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Net Income | 3,637 |
| Loan Loss Allowance | 4,576 |
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Net Charge Offs | 129 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 493,689 |
| Total assets for the leverage ratio | 911,520 |
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Loans secured by real estate: | 406,135 |
| Tier 1 Leverage Ratio | 10.77 |
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Commercial and industrial loans | 55,501 |
| Off Balance Sheet Exposures (%) | 9.71 |
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Loans to individuals - Credit Cards | 783 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 14,097 |
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:· First State Bank
