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First State Bank
Waynesboro, MS · FDIC Certificate #15663 · Chartered 05/0
Total assets
$951.51M
Total deposits
$827.96M
Total equity
$91.51M
Net loans
$527.89M
Branches (offices)
16
Net income (YTD)
$1.63M
Rank: #1,086 of 4,213 U.S. banks by assets · #16 of 57 in Mississippi. Assets changed 3.7% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.34% |
| Return on equity | 3.58% |
| Net interest margin (YTD) | 2.89% |
| Equity to assets | 9.62% |
| Tier 1 leverage ratio | 10.67% |
| Uninsured deposits (share of deposits) | 42.8% |
| Noncurrent loans (share of loans) | 1.18% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 63.8% |
| Real estate loans (share of loans) | 83.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $438.09M | 83.0% | |
| Commercial & industrial | $63.38M | 12.0% | |
| Consumer / individual | $15.89M | 3.0% | |
| Construction & development | $57.70M | 10.9% | |
| Agricultural | $2.74M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $912.63M | $819.87M | $3.73M | $89.14M |
| Jun 2023 | $854.14M | $771.92M | $1.92M | $77.81M |
| Jun 2024 | $876.84M | $773.50M | $688.00K | $79.33M |
| Jun 2025 | $917.33M | $823.46M | $1.80M | $87.97M |
| Jun 2026 | $951.51M | $827.96M | $1.63M | $91.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $827.96M | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $827.96M.
Similar-sized banks
First Bank & Trust Co. ($952.06M) · Stone Bank ($950.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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