First State Bank is a bank based in Waynesboro, Mississippi, established in 1934, with $950 million in total assets across 16 branches. By Trust Grade it ranks 44th of 57 banks we track in Mississippi. Its capital ratio of 9.6% trails most similarly sized banks (40th percentile), versus a Mississippi median of 10.9%. It was profitable over the most recent period, with a 0.35% return on assets. No consumer complaints against First State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First State Bank compares to Mississippi peers
How we graded First State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.6% capital ratio)
- Profitable (ROA 0.35%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (16)
- 261 Saint Peter St, State Line, MS 39362
- 2364 Buckatunna Chicora Clara Rd, Buckatunna, MS 39322
- 35 Buckatunna Chicora Clara Rd, Waynesboro, MS 39367
- 902 Robinson St, Waynesboro, MS 39367
- 717 Wayne St, Waynesboro, MS 39367
- 310 S Archusa Ave, Quitman, MS 39355
- 12139 Highway 63 S, Lucedale, MS 39452
- 301 S Court St, Ellisville, MS 39437
- 1350 Azalea Dr, Waynesboro, MS 39367
- 1401 Azalea Dr, Waynesboro, MS 39367
- 801 22nd Ave, Meridian, MS 39301
- 1808 Highway 84 W, Laurel, MS 39440
- 108 Dees Drive, Suite 201, Madison, MS 39110
- 108 Dees Drive, Madison, MS 39110
- 313 Lafayette Ave, Leakesville, MS 39451
- 708 Azalea Dr, Waynesboro, MS 39367
Are deposits at First State Bank insured?
Yes. First State Bank is an FDIC-insured bank (FDIC certificate #15663). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First State Bank: frequently asked questions
Is First State Bank a good bank?
First State Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Profitable (ROA 0.35%).
Is First State Bank FDIC-insured?
Yes. First State Bank is a FDIC-insured bank (FDIC certificate #15663). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First State Bank?
First State Bank holds $950 million in total assets, ranking 44th of 57 banks we track in Mississippi. It operates 16 branches.
Does First State Bank have CFPB complaints?
No CFPB complaints against First State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
