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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Waynesboro, MS · FDIC certificate #15663
FIRST STATE BANK is an FDIC-insured institution based in Waynesboro, MS (FDIC certificate #15663). In its Q3 2026 Call Report it reported total assets of $946M, total deposits of $810M and net loans of $554M. Its primary federal regulator is FDIC.
Reported facts
FIRST STATE BANK (FDIC certificate #15663) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $946M |
|---|---|
| Total deposits | $810M |
| Net loans and leases | $554M |
| Return on assets | 0.42% |
| Return on equity | 4.46% |
| Net interest margin | 2.97% |
| Quarterly asset change | -0.60% |
| Quarterly deposit change | -2.17% |
Plain-language readout
FIRST STATE BANK in Waynesboro, MS reported total assets of $946M, total deposits of $810M and net loans of $554M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.42%, a return on equity of 4.46%, a net interest margin of 2.97%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $946M | $810M | $554M | 0.42% | 4.46% | 2.97% |
| Q2 2026 | $952M | $828M | $528M | 0.34% | 3.58% | 2.89% |
| Q1 2026 | $950M | $852M | $512M | 0.35% | 3.66% | 2.80% |
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