The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 57).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Mississippi

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #15663). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.8% of deposits ($354.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First State Bank lists 13 offices in 9 cities. Most locations:

• Waynesboro, MS (4)
• Madison, MS (2)
• Ellisville, MS (1)
• Laurel, MS (1)
• Leakesville, MS (1)
• Lucedale, MS (1)
• Meridian, MS (1)
• Quitman, MS (1)
• State Line, MS (1)

All branch addresses and map

In 2025, First State Bank reported 188 home-loan applications under HMDA (LEI 254900CRPFBFJUTD8P12): 163 originated ($32,215,000 total), 16 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First State Bank

Type

State-chartered bank

FDIC certificate #

15663

RSSD ID

924236

Primary regulator

FDIC

Holding company

First State Corp

Established

May 1, 1934

Headquarters

708 Azalea Dr, Waynesboro, MS 39367

Website

www.firststatebnk.com

Employees

185