First State Bank

BankWrens, Georgia
www.firstate.net

Total Assets

$513.0M

Total Deposits

$451.8M

Branches

6

Established

1964

TFS Health Grade

$
C+

79.7 / 100

Average financial health

How we grade

First State Bank is a bank headquartered in Wrens, Georgia, established in 1964. With $513.0M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C+ (79.7/100).

Capital & Safety

Tier 1 Capital Ratio
9.53%(8%)
Total Capital Ratio
13.53%(10%)
Non-Performing Loan Ratio
0.17%

Profitability

Return on Assets (ROA)
1.65%(1%)
Return on Equity (ROE)
20.65%(10%)
Net Interest Margin
4.38%
Efficiency Ratio
45.72%(60%)

Lending & Liquidity

Total Loans
$418.1M
Loan-to-Deposit Ratio
91.32%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+11.32%
Deposit Growth (YoY)
+9.35%
Net Income
$8.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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