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First State Bank

$100M-$1B Specialty: Commercial MS FDIC cert 15663

Waynesboro, MS

16 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
  • Deposits +0.5% year over year ($828.0M on the books).
  • Delinquency rate 1.19%.
  • Return on assets 0.34%.
  • Efficiency ratio 82.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.76% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS
View $100M-$1B leaderboard (MS) →

First State Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 23.3% in tier
  • - Capital Thin: Bottom 45.5% in tier
  • - Return on Assets 0.98% below tier average
  • - Net Interest Margin 1.10% below tier average
  • - Delinquency Rate 0.28% above tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $951.5M
+3.7% YoY +0.2% QoQ
+$564.9M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
Top 1.6% in tier
Total Loans ? $527.9M
+20.1% YoY +3.0% QoQ
+$269.5M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
Top 9.3% in tier
Total Deposits ? $828.0M
+0.5% YoY -2.9% QoQ
+$501.2M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
Top 1.1% in tier
Return on Assets ? 0.34%
-12.7% YoY -2.2% QoQ
-0.98% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
Bottom 8.3% in tier
Net Interest Margin ? 2.89%
+11.9% YoY +3.3% QoQ
-1.10% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Bottom 7.5% in tier
Efficiency Ratio ? 82.91%
+1.0% YoY -1.3% QoQ
+18.43% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
Bottom 11.0% in tier
Delinquency Rate ? 1.19%
-3.9% YoY -14.4% QoQ
+0.28% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 63.76%
+19.5% YoY +6.1% QoQ
-14.19% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
78%
Non-Interest-Bearing Deposit Share ? 16.65%
-3.4% YoY -1.0% QoQ
-5.38% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
31%
Nonperforming Asset Ratio ? 0.96%
+0.7% YoY -9.5% QoQ
+0.29% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
21%
Tier 1 Capital Ratio ? 10.67%
-2.2% YoY +5.3% QoQ
-5.23% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.21%
-10.4% YoY +96.8% QoQ
-0.36% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Noninterest-Bearing 16.7%
-0.6pp YoY
-0.2pp QoQ
 -5.5pp 22.1% 23.1% 22.2% 31%
Brokered Deposits n/a n/a 7.9% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 12.0%
+1.5pp YoY
+0.4pp QoQ
 +0.4pp 11.6% 12.4% 12.5% 63%
CRE 49.7%
+2.1pp YoY
+0.6pp QoQ
 +10.2pp 39.5% 42.3% 41.4% 69%
1-4 Family 26.0%
-2.3pp YoY
-0.4pp QoQ
 -6.6pp 32.6% 33.1% 31.3% 43%
Consumer 3.0%
-0.4pp YoY
0.0pp QoQ
 -1.1pp 4.1% 5.6% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 10.7%
-0.2pp YoY
+0.5pp QoQ
 -1.5pp 12.2% 11.9% 12.6% 44%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 185
+4 (+2.2%) YoY
+7 (+3.9%) QoQ
 +126 58 297 482 99%
Assets per Employee ($) $5.1M
+1.5% YoY
-3.6% QoQ
 -$2.4M $7.5M $6.2M $8.8M 16%
Branch Count 16
0 YoY
0 QoQ
 +11 4 22 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 11%
Nonaccrual 1.2%
0.0pp YoY
-0.2pp QoQ
 +0.3pp 0.9% 0.9% 1.0% 75%
Allowance Coverage 0.75x
-4.8% YoY
+19.7% QoQ
 -23.40x 24.15x 4.87x 20.23x 19%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 3.6%
-0.7pp YoY
-0.1pp QoQ
 -8.6pp 12.2% 11.7% 11.6% 10%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
-0.1pp QoQ
 +0.5pp 1.7% 1.8% 1.7% 80%
Net Income ($, YTD) $1.6M
-9.7% YoY
— QoQ
 -$926K $2.6M $13.8M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk
#85 of 361 • Bottom 23.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 82.91%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Thin

risk
#302 of 661 • Bottom 45.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.67%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

30
Total Deposits
size
Value: $827.96M
Peer Median: $326.73M
#30 of 2643 Top 1.1% in $100M-$1B
43
Total Assets
size
Value: $951.51M
Peer Median: $386.57M
#43 of 2643 Top 1.6% in $100M-$1B
247
Total Loans
size
Value: $527.89M
Peer Median: $258.35M
#247 of 2643 Top 9.3% in $100M-$1B
582
Loan-to-Deposit Ratio
liquidity
Value: 63.76%
Peer Median: 77.95%
#582 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (6 metrics)

2447
Net Interest Margin
profitability
Value: 2.89%
Peer Median: 3.99%
#2447 of 2643 Bottom 7.5% in $100M-$1B
2424
Return on Assets
profitability
Value: 0.34%
Peer Median: 1.32%
#2424 of 2643 Bottom 8.3% in $100M-$1B
2354
Efficiency Ratio
profitability
Value: 82.91%
Peer Median: 64.48%
#2354 of 2643 Bottom 11.0% in $100M-$1B
2139
Tier 1 Capital Ratio
capital
Value: 10.67%
Peer Median: 15.91%
#2139 of 2643 Bottom 19.1% in $100M-$1B
2086
Nonperforming Asset Ratio
credit_quality
Value: 0.96%
Peer Median: 0.67%
#2086 of 2643 Bottom 21.1% in $100M-$1B
1993
Delinquency Rate
credit_quality
Value: 1.19%
Peer Median: 0.92%
#1993 of 2633 Bottom 24.3% in $100M-$1B
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