First State Bank (Waynesboro, MS)

Overview / Commentary
708 Azalea Drive
Waynesboro, MS 39367

First State Bank (Waynesboro, MS) is headquartered in WAYNESBORO and is the 16th largest bank in the state of Mississippi. It is also the 1,135th largest bank in the nation. It was established in 1934 and as of June of 2023, it had grown to 173 employees at 15 locations. First State Bank (Waynesboro, MS) has a B health rating.


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Health Grade Components

FDIC Certificate #15663
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.82%
Annual Interest Income$16.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$854.1MM$912.6MM
LoansQ2 2023vs Q2 2022$418.1MM$412.4MM
DepositsQ2 2023vs Q2 2022$771.9MM$819.9MM
Equity CapitalQ2 2023vs Q2 2022$77.8MM$89.1MM
Loan Loss AllowanceQ2 2023vs Q2 2022$7.2MM$7.2MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$5.0MM$6.5MM
Real Estate OwnedQ2 2023vs Q2 2022$3.0MM$2.8MM
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First State Bank (Waynesboro, MS) Savings Account Rates

0.25%-$20kKasasa Saver Savings Account

First State Bank (Waynesboro, MS) Checking Account Rates

1.00%*-$20kKasasa Cash Checking
OTHER TIERS: 0.10% $20k+


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