First State Bank (Waynesboro, MS)

Overview / Commentary

601-735-3124

708 Azalea Drive
Waynesboro, MS 39367

First State Bank (Waynesboro, MS) is headquartered in Waynesboro and is the 13^th largest bank in the state of Mississippi. It is also the 1,080^th largest bank in the nation. It was established in 1934 and as of September of 2021, it had grown to 169 employees at 14 locations. First State Bank (Waynesboro, MS) has an A health rating.

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Health

Data as of Q3 2021

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Health Grade Components

Overall
FDIC Certificate #	15663
Year Established	1934
Employees	169
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.92%
Return on Equity - YTD	7.28%
Annual Interest Income	$21.6MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$904.1MM$861.9MM
Loans	Q3 2021vs Q3 2020	$428.6MM$494.3MM
Deposits	Q3 2021vs Q3 2020	$787.7MM$736.6MM
Equity Capital	Q3 2021vs Q3 2020	$112.4MM$113.5MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$6.9MM$5.1MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$6.1MM$6.8MM
Real Estate Owned	Q3 2021vs Q3 2020	$3.0MM$3.8MM

Rates

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First State Bank (Waynesboro, MS) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	-	$20k	Kasasa Saver Savings Account
OTHER TIERS: 0.10% → $20k+

First State Bank (Waynesboro, MS) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	-	$20k	Kasasa Cash Checking
OTHER TIERS: 0.10% → $20k+

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