Bank · FDIC insured
First State Bank
A $951.5M bank headquartered in Waynesboro, MS, with 16 branches in Mississippi.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—0.25%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First State Bank
- Headquarters
- 708 Azalea Dr, Waynesboro, MS 39367
- FDIC certificate
- 15663 ↗
Branches
16 branches in Mississippi
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Mississippi
16 branches
Waynesboro area · 6
- First State BankMain office708 Azalea Dr, Waynesboro, MS 39367Directions
- Clara Branch35 Buckatunna Chicora Clara Rd, Waynesboro, MS 39367Directions
- Mortgage Loan Center Branch717 Wayne St, Waynesboro, MS 39367Directions
- Northeast Motor Bank Branch1401 Azalea Dr, Waynesboro, MS 39367Directions
- Northside Mini-Bank Branch902 Robinson St, Waynesboro, MS 39367Directions
- Walmart Branch1350 Azalea Dr, Waynesboro, MS 39367Directions
Laurel area · 2
- South Court Street Branch301 S Court St, Ellisville, MS 39437Directions
- Laurel Branch1808 Highway 84 W, Laurel, MS 39440Directions
Jackson area · 2
- Gluckstadt Branch108 Dees Drive, Madison, MS 39110Directions
- Madison Branch108 Dees Drive, Suite 201, Madison, MS 39110Directions
Meridian area · 2
- Meridian Clock Tower Branch801 22nd Ave, Meridian, MS 39301Directions
- Quitman Branch310 S Archusa Ave, Quitman, MS 39355Directions
Buckatunna area · 1
- Drive-In Branch2364 Buckatunna Chicora Clara Rd, Buckatunna, MS 39322Directions
Leakesville area · 1
- Leakesville Branch313 Lafayette Ave, Leakesville, MS 39451Directions
Lucedale area · 1
- Gateway Branch12139 Highway 63 S, Lucedale, MS 39452Directions
State Line area · 1
- State Line Branch261 Saint Peter St, State Line, MS 39362Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.67% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.18% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.34% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $64 | $81 | — |
- CapitalLeverage ratio10.67%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.18%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.34%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$64Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.