First State Bank
Total assets
$512.7M
▲ +6.5% YoY
Deposits
$444.8M
▲ +7.4% YoY
Loans
$415.6M
▲ +4.7% YoY
Offices
6
CSRA BANK CORP
ROA (annualized)
1.84%
peers 1.28%
ROE (annualized)
20.61%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +7.4% | +4.3% | +3.0 pts |
| Loan growth (YoY) | +4.7% | +5.3% | -0.7 pts |
| ROA | 1.84% | 1.28% | +0.6 pts |
| ROE | 20.6% | 12.4% | +8.2 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
Profile
- Established
- 1964
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CSRA BANK CORP
- Specialization
- Commercial Lending Specialization
- Address
- 300 E Broad St, Wrens, GA, 30833
- County
- Jefferson
- Offices
- 6
- FDIC cert #
- 19163
- RSSD ID
- 36933
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $512.7M | $444.8M | $415.6M | $48.8M | $4.7M | 1.84% | 4.50% | 0.26% |
| Q1 2026 | $514.1M | $450.2M | $419.0M | $45.2M | $2.3M | 1.78% | 4.39% | 0.26% |
| Q4 2025 | $513.0M | $451.8M | $412.6M | $43.2M | $8.0M | 1.65% | 4.38% | 0.19% |
| Q3 2025 | $495.2M | $430.8M | $409.8M | $41.7M | $6.3M | 1.76% | 4.36% | 0.20% |
| Q2 2025 | $481.5M | $414.2M | $397.1M | $38.5M | $4.0M | 1.69% | 4.32% | 0.19% |
| Q1 2025 | $468.4M | $417.7M | $379.0M | $36.1M | $1.9M | 1.66% | 4.26% | 0.17% |
| Q4 2024 | $460.9M | $413.2M | $361.3M | $33.2M | $5.8M | 1.31% | 3.79% | 0.12% |
| Q3 2024 | $468.1M | $416.1M | $354.1M | $34.7M | $4.4M | 1.35% | 3.73% | 0.14% |
Loan mix (Q2 2026): real estate $350.9M · commercial $63.2M · consumer $5.1M · securities $50.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.28% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 20.6% | 12.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.89% | 84th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 61.2% | 10th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- PromiseOne BankDuluth, GA · $812.2M
- Barwick Banking CompanyBarwick, GA · $829.6M
- First Century Bank, National AssociationCommerce, GA · $831.6M
- Farmers and Merchants BankLakeland, GA · $862.0M
- First American Bank and Trust CompanyAthens, GA · $901.9M
- Minster BankMinster, OH · $811.6M
Selling to First State Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.