Branch Network
First State Bank Locations & Branches Waynesboro, Mississippi
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First State Bank operates 16 branches from its headquarters in Waynesboro, MS, .
First State Bank branch network
All 16 branches are in MISSISSIPPI, across 10 cities. Waynesboro, MS has the most of its branches, 6. Its largest office by deposits is its main office in Waynesboro, MS, with $339.3M (41.0% of its branch deposits). It had the same number of branches on June 30, 2025.
First State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 10.67% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $951.5M
- Tier 1 leverage ratio, Q2 2026
- 10.67%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1934
Full financial profile · Is First State Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waynesboro, MS (6 branches) | 1 of 5 | 66.8% | $339.3M |
| State: MS (16 branches) | 17 of 80 | 1.0% | $828.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Mississippi.
Share by county and metro area
First State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Wayne, MS (7 branches) | 1 of 5 | 66.8% | $339.3M | $507.8M |
| Jones, MS (2 branches) | 3 of 9 | 13.7% | $259.0M | $1.89B |
| Greene, MS (2 branches) | 1 of 2 | 57.4% | $79.9M | $139.2M |
| George, MS (1 branch) | 3 of 4 | 15.1% | $66.4M | $439.1M |
| Clarke, MS (1 branch) | 3 of 4 | 20.4% | $52.6M | $257.4M |
| Lauderdale, MS (1 branch) | 9 of 10 | 1.6% | $28.6M | $1.83B |
| Madison, MS (2 branches) | 21 of 23 | <0.1% | $2.2M | $6.61B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Laurel, MS (2 branches) | 5 of 10 | 12.0% | $259.0M | $2.15B |
| Meridian, MS (2 branches) | 9 of 10 | 3.6% | $81.2M | $2.27B |
| Jackson, MS (2 branches) | 29 of 30 | <0.1% | $2.2M | $22.85B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First State Bank (main office) | Waynesboro, MS | 39367 | $339.3M |
| Laurel Branch | Laurel, MS | 39440 | $226.9M |
| Leakesville Branch | Leakesville, MS | 39451 | $72.2M |
| Gateway Branch | Lucedale, MS | 39452 | $66.4M |
| Quitman Branch | Quitman, MS | 39355 | $52.6M |
| South Court Street Branch | Ellisville, MS | 39437 | $32.1M |
| Meridian Clock Tower Branch | Meridian, MS | 39301 | $28.6M |
| State Line Branch | State Line, MS | 39362 | $7.7M |
| Gluckstadt Branch | Madison, MS | 39110 | $2.2M |
| Northside Mini-Bank Branch | Waynesboro, MS | 39367 | $0 |
| Walmart Branch | Waynesboro, MS | 39367 | $0 |
| Mortgage Loan Center Branch | Waynesboro, MS | 39367 | $0 |
| Drive-In Branch | Buckatunna, MS | 39322 | $0 |
| Northeast Motor Bank Branch | Waynesboro, MS | 39367 | $0 |
| Madison Branch | Madison, MS | 39110 | $0 |
| Clara Branch | Waynesboro, MS | 39367 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 15663) · FFIEC NIC profile (RSSD 924236)