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 14th largest bank in the state of Mississippi. It is also the 1,123rd largest bank in the nation. It was established in 1934 and as of December of 2023, it had grown to 179 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 - YTD0.46%
Return on Equity - YTD5.24%
Annual Interest Income$33.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$889.2MM$901.3MM
LoansQ4 2023vs Q4 2022$420.7MM$426.5MM
DepositsQ4 2023vs Q4 2022$764.8MM$818.3MM
Equity CapitalQ4 2023vs Q4 2022$78.8MM$78.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$5.5MM$7.3MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$5.3MM$7.2MM
Real Estate OwnedQ4 2023vs Q4 2022$3MM$2.8MM
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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

0.25%*-$20kKasasa Saver Savings Account
OTHER TIERS: 0.10% $20k+

First State Bank (Waynesboro, MS) Checking Account Rates

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


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