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First State Bank
Wrens, GA · FDIC Certificate #19163 · Chartered 07/0
Total assets
$512.69M
Total deposits
$444.75M
Total equity
$48.83M
Net loans
$415.64M
Branches (offices)
6
Net income (YTD)
$4.71M
Rank: #1,753 of 4,213 U.S. banks by assets · #36 of 123 in Georgia. Assets changed 6.5% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.84% |
| Return on equity | 20.61% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 9.52% |
| Tier 1 leverage ratio | 10.53% |
| Uninsured deposits (share of deposits) | 14.6% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.5% |
| Real estate loans (share of loans) | 84.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $350.91M | 84.4% | |
| Commercial & industrial | $63.22M | 15.2% | |
| Consumer / individual | $5.08M | 1.2% | |
| Construction & development | $45.46M | 10.9% | |
| Agricultural | $1.26M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $327.52M | $303.37M | $2.42M | $22.92M |
| Jun 2023 | $384.81M | $351.31M | $2.39M | $26.65M |
| Jun 2024 | $444.75M | $396.09M | $2.87M | $31.42M |
| Jun 2025 | $481.49M | $414.24M | $3.98M | $38.48M |
| Jun 2026 | $512.69M | $444.75M | $4.71M | $48.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $444.75M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $444.75M.
Similar-sized banks
Great American Bank ($513.21M) · First Robinson Savings Bank, National Association ($512.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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