Total Assets
$951.5M
Total Deposits
$828.0M
Branches
16
Established
1934
First State Bank is a bank headquartered in Waynesboro, Mississippi, established in 1934. It holds $951.5M in total assets across 16 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First State Bank earns a TFS Financial Health Grade of C- (61.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
61.1 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First State BankHQ | 708 Azalea Dr | Waynesboro | MS | 11 |
| First State Bank | 2364 Buckatunna Chicora Clara Rd | Buckatunna | MS | 23 |
| First State Bank | 301 S Court St | Ellisville | MS | 11 |
| First State Bank | 1808 Highway 84 W | Laurel | MS | 11 |
| First State Bank | 313 Lafayette Ave | Leakesville | MS | 11 |
| First State Bank | 12139 Highway 63 S | Lucedale | MS | 11 |
| First State Bank | 108 Dees Drive | Madison | MS | 11 |
| First State Bank | 108 Dees Drive, Suite 201 | Madison | MS | 11 |
| First State Bank | 801 22nd Ave | Meridian | MS | 11 |
| First State Bank | 310 S Archusa Ave | Quitman | MS | 11 |
| First State Bank | 261 Saint Peter St | State Line | MS | 11 |
| First State Bank | 1350 Azalea Dr | Waynesboro | MS | 12 |
| First State Bank | 1401 Azalea Dr | Waynesboro | MS | 11 |
| First State Bank | 717 Wayne St | Waynesboro | MS | 11 |
| First State Bank | 902 Robinson St | Waynesboro | MS | 23 |
| First State Bank | 35 Buckatunna Chicora Clara Rd | Waynesboro | MS | 23 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
61.1
Tier 1 capital ratio
10.67%
Return on assets
0.34%
Non-performing loans
1.18%
Efficiency ratio
82.91%
Asset growth (YoY)
3.73%
Suggested direct comparisons
$8.4B
$1.0B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.