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First State Bank Waynesboro, MS

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First State Bank Waynesboro, MS Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank Waynesboro, MS provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 18, 2026

First State Bank Waynesboro, MS rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.89%, 6-month CD rates at 2.71% and 3-month CD rates at 2.53%. Savings rates are at 0.91% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.39%. These rates come from our rate database, not First State Bank Waynesboro, MS, and you can see how they compare in the First State Bank Waynesboro, MS rate tables below. MonitorBankRates evaluates the financial stability of First State Bank Waynesboro, MS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.01%. Database rates last updated and verified on 10/18/2026.

First State Bank Waynesboro, MS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First State Bank Waynesboro, MS? Share your experience about First State Bank Waynesboro, MS by leaving a review below, or read customer reviews before you decide to use First State Bank Waynesboro, MS.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.01%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

First State Bank

708 Azalea Dr
Waynesboro, MS 39367

https://www.firststatebnk.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Current Rate Availability

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Financial Health History

First State Bank Waynesboro, MS’s Texas Ratio fell from 11.49% in Q3 2023 to 10.01% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$952M	10.01%	5.0	A
March 31, 2026	$950M	11.13%	5.0	A
December 31, 2025	$950M	10.22%	5.0	A
September 30, 2025	$929M	11.03%	5.0	A
June 30, 2025	$917M	9.96%	5.0	A
March 31, 2025	$923M	10.40%	5.0	A
December 31, 2024	$915M	11.10%	5.0	A
September 30, 2024	$894M	10.37%	5.0	A
June 30, 2024	$877M	10.77%	5.0	A
March 31, 2024	$906M	9.36%	5.0	A
December 31, 2023	$889M	10.47%	5.0	A
September 30, 2023	$856M	11.49%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First State Bank Waynesboro, MS is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First State Bank Waynesboro, MS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First State Bank Waynesboro, MS's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First State Bank Waynesboro, MS

Website https://www.firststatebnk.bank

Address 708 Azalea Dr, Waynesboro, MS 39367 · Wayne

Bank Holding Company FIRST STATE CORP

FDIC Certificate # 15663

Regulator FDIC

Established May 1, 1934

FDIC Insurance Date May 1, 1939

Domestic Offices 16

Total Branches 16

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.01%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.3428%

Return on Equity (ROE)

3.5800%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

$951,506,000

Total Deposits

$827,958,000

Equity Capital

$91,508,000

Net Income

$1,629,000

Headquarters

Waynesboro

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First State Bank Waynesboro, MS earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About First State Bank Waynesboro, MS

How many branches does First State Bank Waynesboro, MS operate?

First State Bank Waynesboro, MS currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First State Bank Waynesboro, MS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank Waynesboro, MS provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank Waynesboro, MS offer online and mobile banking?

Most modern institutions like First State Bank Waynesboro, MS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firststatebnk.bank.