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 First State Bank
First State Bank
| RSSD ID 924236 | CERTIFICATE 15663 | ABA NUMBER 65304084 |
| 708 Azalea Dr |
Quarter Ended : |
2025-09-30 |
| Waynesboro, Mississippi, 39367 |
Updated : |
2025-10-27 |
| 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 : |
182 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 928,547 |
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Total Interest Income | 31,696 |
| Total Liabilities | 836,926 |
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Total NonInterest Income | 3,041 |
| Total Bank Equity Capital | 91,621 |
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Total Interest Expense | 14,772 |
| Total Deposits | 830,280 |
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Total NonInterest Expense | 16,323 |
| Net Loans & Leases | 478,992 |
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Net Income | 2,738 |
| Loan Loss Allowance | 4,311 |
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Net Charge Offs | 92 |
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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 | 460,769 |
| Total assets for the leverage ratio | 915,729 |
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Loans secured by real estate: | 386,444 |
| Tier 1 Leverage Ratio | 10.91 |
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Commercial and industrial loans | 51,661 |
| Off Balance Sheet Exposures (%) | 8.77 |
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Loans to individuals - Credit Cards | 765 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 13,838 |
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:· First State Bank
