B
First State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
10.91
Return On
Assets
0.39%
Total
Assets
928.55M
Capital
91.62M
Total
Deposits
830.28M
Net
Income
2.74M
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Weiss Ratings First State Bank
Waynesboro, MS 		Click to
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Rating B
Asset Quality Index 5.20
Capitalization Index 9.90
Liquidity Index 3.50
Profitability Index 2.80
Stability Index 6.00
Company Info First State Bank
Waynesboro, MS 		Click to
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FDIC Number 15663
Phone Number (601) 735-3124
Website www.firststatebnk.bank
Asset Quality First State Bank
Waynesboro, MS 		Click to
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1-Year Asset Growth 3.89%
5-Year Asset Growth 2.59%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 1.11%
Non-Performing Loans to Capital 6.58%
Non-Performing Loans to Loans 1.46%
Balance Sheet First State Bank
Waynesboro, MS 		Click to
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Total Assets 928.55M
Total Deposits 830.28M
Capital and Reserves First State Bank
Waynesboro, MS 		Click to
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Capital 91.62M
Leverage Ratio 10.91
Loan Loss Reserves to Loans 0.89%
Risk-Based Capital Ratio --
Liquidity First State Bank
Waynesboro, MS 		Click to
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Hot Money Ratio 20.92%
Liquidity Ratio 28.73%
Profitability First State Bank
Waynesboro, MS 		Click to
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5-Year Return on Average Assets 0.62%
Net Income 2.74M
Net Interest Spread 2.47%
Operating Profit to Average Assets 0.52%
Overhead Efficiency Ratio 81.76%
Return on Assets 0.39%
Return on Equity 4.22%