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 15^th largest bank in the state of Mississippi. It is also the 1,139^th largest bank in the nation. It was established in 1934 and as of June of 2024, it had grown to 178 employees at 15 locations. First State Bank (Waynesboro, MS) has a B+ health rating.

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	15663
Year Established	1934
Employees	178
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.15%
Return on Equity - YTD	1.75%
Annual Interest Income	$19.4MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$876.8MM$854.1MM
Loans	Q2 2024vs Q2 2023	$434.6MM$418.1MM
Deposits	Q2 2024vs Q2 2023	$773.5MM$771.9MM
Equity Capital	Q2 2024vs Q2 2023	$79.3MM$77.8MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$4.6MM$7.2MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$5.6MM$5MM
Real Estate Owned	Q2 2024vs Q2 2023	$2.9MM$3MM

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First State Bank (Waynesboro, MS) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$0	$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%^*	$0	$20k	Kasasa Cash Checking
OTHER TIERS: 0.10% → $20k+

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