First State Bank (Wrens, GA)
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Data as of · sourced from FFIEC call reports. How we update
First State Bank is an FDIC-insured commercial bank headquartered in Wrens, GA, established in 1964 (FDIC certificate 19163), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $512.7M, up 6.5% from Q2 2025, the 36th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19163
- Headquarters
- Wrens, GA
- Established
- 1964
- Total assets, Q2 2026
- $512.7M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 10.53%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 061101113
- Holding company
- CSRA BANK CORP.
- Asset rank in state
- 36th of 121 in Georgia
First State Bank pays more for its money than most banks of its size. It reported $513 million in assets at June 30, 2026, up 6.5% from a year earlier. It pays an average of 3.01% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 18% from a year earlier, to $2.4 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.3 million equal 13% of Tier 1 capital, down from 20% a year earlier.
As of June 30, 2026, First State Bank reported a return on assets of 1.87%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.47%. The figures come from its call report filed with the FFIEC.
First State Bank ranks as the 36th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $512.7M, loans fell 0.8% and deposits fell 1.2%. 1-4 family residential loans made up 38.8% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 15.0%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in GA; its Wrens office books 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, First State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 E Broad St, Wrens, GA 30833
- County
- Jefferson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 6, 1964
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $444.8M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $518.9M
- Average total loans
- $420.7M
- Average interest-bearing deposits
- $412.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 6, 1964
- FDIC Cert
- 19163
- Fed RSSD
- 36933
- SEC CIK
- 862477 → filed by CSRA BANK CORP.
- Website
- www.firstate.net →
- Parent Holding Company
- CSRA BANK CORP. (RSSD 1493672)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First State Bank's total assets moved between a low of $398.9M (Q3 2023) and a high of $514.1M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$512.7M total assets against $481.5M; $463.9M total liabilities against $443.0M.
$415.6M net loans and leases against $397.1M; $444.8M total deposits against $414.2M.
$50.1M securities against $52.7M; $28.4M cash and balances due against $14.5M.
$9.1M total interest income against $8.3M; $3.5M total interest expense against $3.4M.
$5.6M net interest income against $4.9M.
$433K total noninterest income against $429K; $2.7M total noninterest expense against $2.4M.
$150K provision for credit losses against $147K.
$2.4M net income against $2.0M.
1.87% return on assets against 1.71%; 4.46% net interest margin against 4.25%.
10.53% tier 1 leverage ratio against 9.53%.
Inside the full First State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst State Bank rankings
Its closest position to the top of a national ranking is 417 of 3,606, for efficiency ratio; its furthest is 2,057 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q4 2024) to 1.87% (Q2 2026) and its net interest margin ran from 3.69% (Q3 2024) to 4.46% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.53% | 1.87% | 0.32% | 2.47% | 4.46% |
| Q1 2026 | 9.83% | 1.76% | 0.31% | 2.59% | 4.25% |
| Q4 2025 | 9.53% | 1.31% | 0.17% | 1.95% | 4.36% |
| Q3 2025 | 9.60% | 1.84% | 0.19% | 2.10% | 4.32% |
| Q2 2025 | 9.53% | 1.71% | 0.22% | 2.08% | 4.25% |
| Q1 2025 | 9.23% | 1.64% | 0.18% | 1.91% | 4.14% |
| Q4 2024 | 8.71% | 1.14% | 0.13% | 1.50% | 3.71% |
| Q3 2024 | 8.95% | 1.37% | 0.10% | 1.71% | 3.69% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Wrens , GA | 30833 | $163.2M |
| Harlem Branch | Harlem , GA | 30814 | $137.8M |
| Peachtree Street Branch | Louisville , GA | 30434 | $53.0M |
| Warrenton Branch | Warrenton , GA | 30828 | $46.3M |
| Americus Branch | Americus , GA | 31709 | $39.9M |
| Evans Branch | Evans , GA | 30809 | $4.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 19, 2010, Federal Reserve: Written Agreement: CSRA Bank Corp., Wrens, Georgia
- Period: Most recent institution action August 19, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in GA, rank 59 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First State Bank
What are First State Bank's total assets?
As of the Q2 2026 filing, First State Bank reported total assets of $512.7 million in its FFIEC call report.
Where is First State Bank headquartered?
It is headquartered in Wrens, GA, United States.
When was First State Bank founded?
It was established in 1964, per the FDIC institution directory.
Is First State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19163). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First State Bank?
First State Bank's primary federal regulator is the FDIC.
How many branches does First State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First State Bank's Texas Ratio?
Its Texas Ratio is 2.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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