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.

From Q2 2025 to Q2 2026, the score rose 3 points (74 → 77), mostly because the capital cushion component improved by 10 points.

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 Georgia

Yes. First State Bank is an FDIC-insured institution (FDIC certificate #19163). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.6% of deposits ($65.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.53%, 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 6 offices in 6 cities. Most locations:

• Americus, GA (1)
• Evans, GA (1)
• Harlem, GA (1)
• Louisville, GA (1)
• Warrenton, GA (1)
• Wrens, GA (1)

All branch addresses and map

In 2025, First State Bank reported 154 home-loan applications under HMDA (LEI 254900NX6JAQSL0PM696): 150 originated ($23,470,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.6%, 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 #

19163

RSSD ID

36933

Primary regulator

FDIC

Holding company

Csra Bank Corp

Established

July 6, 1964

Headquarters

300 E Broad St, Wrens, GA 30833

Website

www.firstate.net

Employees

50